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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 | $34,924 | $101,752-65.7% | $164,928-78.8% | $80,911-56.8% |
| Participation rate | 86.7% | 71.8%+14.9pp | 78.6%+8.1pp | 67.6%+19.1pp |
| Annual return | 28.96% | 16.73%+12.2pp | 70.08%-41.1pp | 35.63%-6.7pp |
| Employer contribution / active EE | $2,173 | $2,953-26.4% | $4,343-50.0% | $2,756-21.2% |
| Participant deferral / active EE | $4,445 | $4,477-0.7% | $6,034-26.3% | $4,297+3.4% |
| Admin fee / account holder | $2,141 | $8,218-73.9% | $12,684-83.1% | $6,935-69.1% |