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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 | $60,473 | $108,825-44.4% | $156,181-61.3% | $82,448-26.7% |
| Participation rate | 84.0% | 72.4%+11.6pp | 78.8%+5.2pp | 68.1%+15.9pp |
| Annual return | 35.69% | 20.59%+15.1pp | 64.87%-29.2pp | 41.64%-5.9pp |
| Employer contribution / active EE | $3,735 | $2,870+30.1% | $4,294-13.0% | $2,551+46.4% |
| Participant deferral / active EE | $8,167 | $4,577+78.4% | $6,132+33.2% | $4,139+97.3% |
| Admin fee / account holder | $1,837 | $9,341-80.3% | $14,586-87.4% | $7,234-74.6% |