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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 | $32,252 | $110,410-70.8% | $102,437-68.5% | $145,897-77.9% |
| Participation rate | 94.7% | 77.9%+16.8pp | 74.5%+20.2pp | 80.3%+14.4pp |
| Annual return | 15.37% | 24.85%-9.5pp | 24.95%-9.6pp | 552.29%-536.9pp |
| Employer contribution / active EE | $4,521 | $4,217+7.2% | $3,871+16.8% | $4,663-3.0% |
| Participant deferral / active EE | $3,793 | $5,622-32.5% | $5,060-25.0% | $6,689-43.3% |
| Admin fee / account holder | $9,513 | $9,745-2.4% | $8,388+13.4% | $13,390-29.0% |