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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 | $51,586 | $87,059-40.7% | $105,608-51.2% | $80,925-36.3% |
| Participation rate | 93.8% | 70.4%+23.3pp | 75.3%+18.5pp | 67.7%+26.1pp |
| Annual return | 36.34% | 17.05%+19.3pp | 116.50%-80.2pp | 35.65%+0.7pp |
| Employer contribution / active EE | $4,072 | $2,396+69.9% | $3,167+28.6% | $2,756+47.7% |
| Participant deferral / active EE | $4,873 | $3,986+22.3% | $5,010-2.7% | $4,299+13.4% |
| Admin fee / account holder | $2,072 | $8,443-75.5% | $11,028-81.2% | $6,940-70.1% |