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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 | $62,436 | $81,358-23.3% | $155,556-59.9% | $80,959-22.9% |
| Participation rate | 96.9% | 66.3%+30.6pp | 78.2%+18.7pp | 67.7%+29.2pp |
| Annual return | 14.13% | 33.39%-19.3pp | 64.84%-50.7pp | 35.67%-21.5pp |
| Employer contribution / active EE | $4,444 | $3,106+43.0% | $4,675-5.0% | $2,757+61.2% |
| Participant deferral / active EE | $5,804 | $3,455+68.0% | $5,631+3.1% | $4,300+35.0% |
| Admin fee / account holder | $1,834 | $7,994-77.1% | $15,885-88.5% | $6,925-73.5% |