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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 | $64,782 | $71,230-9.1% | $93,727-30.9% | $80,959-20.0% |
| Participation rate | 94.7% | 60.4%+34.3pp | 68.7%+26.0pp | 67.7%+27.1pp |
| Annual return | 34.89% | 11.26%+23.6pp | 133.83%-98.9pp | 35.67%-0.8pp |
| Employer contribution / active EE | $2,635 | $1,565+68.4% | $2,421+8.8% | $2,757-4.4% |
| Participant deferral / active EE | $5,202 | $4,037+28.8% | $4,417+17.8% | $4,300+21.0% |
| Admin fee / account holder | $1,370 | $6,961-80.3% | $8,292-83.5% | $6,925-80.2% |