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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,064 | $115,225-65.2% | $100,712-60.2% | $138,895-71.2% |
| Participation rate | 76.9% | 74.3%+2.6pp | 69.3%+7.6pp | 79.9%-3.0pp |
| Annual return | 24.97% | 40.35%-15.4pp | 33.27%-8.3pp | 145.39%-120.4pp |
| Employer contribution / active EE | $4,772 | $2,771+72.2% | $2,313+106.4% | $4,194+13.8% |
| Participant deferral / active EE | $3,367 | $4,699-28.4% | $4,085-17.6% | $6,396-47.4% |
| Admin fee / account holder | $331 | $10,844-96.9% | $9,256-96.4% | $12,562-97.4% |