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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 | $32,426 | $63,082-48.6% | $81,726-60.3% | $79,856-59.4% |
| Participation rate | 94.7% | 67.5%+27.2pp | 72.0%+22.7pp | 69.6%+25.1pp |
| Annual return | 52.70% | 22.66%+30.0pp | 29.49%+23.2pp | 31.71%+21.0pp |
| Employer contribution / active EE | $2,626 | $1,795+46.3% | $4,311-39.1% | $2,471+6.3% |
| Participant deferral / active EE | $4,844 | $2,780+74.2% | $7,108-31.9% | $3,741+29.5% |
| Admin fee / account holder | $1,108 | $4,428-75.0% | $5,160-78.5% | $5,306-79.1% |