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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 | $31,503 | $88,672-64.5% | $105,223-70.1% | $82,448-61.8% |
| Participation rate | 96.3% | 67.9%+28.4pp | 75.0%+21.3pp | 68.1%+28.2pp |
| Annual return | 14.45% | 30.86%-16.4pp | 180.65%-166.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $3,436 | $3,048+12.7% | $3,689-6.8% | $2,551+34.7% |
| Participant deferral / active EE | $6,562 | $4,036+62.6% | $5,072+29.4% | $4,139+58.5% |
| Admin fee / account holder | $9,342 | $7,146+30.7% | $8,859+5.5% | $7,234+29.1% |