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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 | $45,600 | $54,757-16.7% | $90,304-49.5% | $72,975-37.5% |
| Participation rate | 72.7% | 65.2%+7.6pp | 73.3%-0.5pp | 69.5%+3.2pp |
| Annual return | 25.72% | 30.63%-4.9pp | 78.13%-52.4pp | 81.01%-55.3pp |
| Employer contribution / active EE | $1,774 | $2,093-15.2% | $2,855-37.9% | $2,440-27.3% |
| Participant deferral / active EE | $2,916 | $2,887+1.0% | $3,885-24.9% | $3,608-19.2% |
| Admin fee / account holder | $11,088 | $3,973+179.1% | $5,354+107.1% | $5,124+116.4% |