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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 | $52,066 | $81,233-35.9% | $155,567-66.5% | $80,874-35.6% |
| Participation rate | 96.9% | 66.2%+30.6pp | 78.2%+18.7pp | 67.6%+29.2pp |
| Annual return | 15.66% | 33.33%-17.7pp | 64.74%-49.1pp | 35.62%-20.0pp |
| Employer contribution / active EE | $4,462 | $3,101+43.9% | $4,674-4.5% | $2,756+61.9% |
| Participant deferral / active EE | $8,251 | $3,452+139.0% | $5,628+46.6% | $4,297+92.0% |
| Admin fee / account holder | $8,137 | $7,998+1.7% | $15,916-48.9% | $6,935+17.3% |