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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 | $36,328 | $106,524-65.9% | $152,301-76.1% | $87,485-58.5% |
| Participation rate | 97.5% | 75.8%+21.7pp | 82.4%+15.0pp | 68.9%+28.5pp |
| Annual return | 38.46% | 26.89%+11.6pp | 80.50%-42.0pp | 26.06%+12.4pp |
| Employer contribution / active EE | $2,764 | $3,371-18.0% | $4,624-40.2% | $2,596+6.5% |
| Participant deferral / active EE | $8,276 | $6,525+26.8% | $8,004+3.4% | $4,274+93.7% |
| Admin fee / account holder | $2,896 | $8,287-65.1% | $14,398-79.9% | $7,775-62.8% |