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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 | $81,331-36.0% | $155,534-66.5% | $80,935-35.7% |
| Participation rate | 96.9% | 66.3%+30.6pp | 78.2%+18.7pp | 67.7%+29.2pp |
| Annual return | 15.66% | 33.37%-17.7pp | 64.92%-49.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $4,462 | $3,105+43.7% | $4,675-4.6% | $2,757+61.8% |
| Participant deferral / active EE | $8,251 | $3,454+138.9% | $5,630+46.5% | $4,299+91.9% |
| Admin fee / account holder | $8,137 | $7,999+1.7% | $15,900-48.8% | $6,924+17.5% |