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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 | $56,624 | $76,407-25.9% | $150,298-62.3% | $82,448-31.3% |
| Participation rate | 89.7% | 66.4%+23.3pp | 77.8%+11.9pp | 68.1%+21.6pp |
| Annual return | 13.39% | 39.99%-26.6pp | 62.79%-49.4pp | 41.64%-28.2pp |
| Employer contribution / active EE | $2,368 | $2,614-9.4% | $4,154-43.0% | $2,551-7.2% |
| Participant deferral / active EE | $6,109 | $3,214+90.1% | $5,453+12.0% | $4,139+47.6% |
| Admin fee / account holder | $4,837 | $6,352-23.9% | $14,116-65.7% | $7,234-33.1% |