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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 | $42,356 | $91,559-53.7% | $133,978-68.4% | $79,856-47.0% |
| Participation rate | 93.2% | 73.3%+19.8pp | 79.8%+13.3pp | 69.6%+23.5pp |
| Annual return | 13.75% | 61.85%-48.1pp | 45.10%-31.3pp | 31.71%-18.0pp |
| Employer contribution / active EE | $5,426 | $2,384+127.6% | $3,919+38.5% | $2,471+119.6% |
| Participant deferral / active EE | $3,348 | $3,734-10.3% | $5,047-33.7% | $3,741-10.5% |
| Admin fee / account holder | $1,785 | $6,321-71.8% | $8,930-80.0% | $5,306-66.4% |