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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 | $35,254 | $77,638-54.6% | $156,551-77.5% | $62,881-43.9% |
| Participation rate | 90.7% | 71.2%+19.5pp | 84.0%+6.7pp | 69.3%+21.4pp |
| Annual return | 9.05% | 50.33%-41.3pp | 32.23%-23.2pp | 20.14%-11.1pp |
| Employer contribution / active EE | $2,283 | $3,444-33.7% | $5,501-58.5% | $2,281+0.1% |
| Participant deferral / active EE | $4,146 | $3,046+36.1% | $4,871-14.9% | $3,203+29.4% |
| Admin fee / account holder | $4,203 | $5,561-24.4% | $13,028-67.7% | $4,296-2.2% |