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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 | $63,940 | $107,421-40.5% | $182,262-64.9% | $94,015-32.0% |
| Participation rate | 86.8% | 77.8%+9.1pp | 84.2%+2.6pp | 70.8%+16.0pp |
| Annual return | 17.98% | 21.32%-3.3pp | 140.60%-122.6pp | 17.84%+0.1pp |
| Employer contribution / active EE | $3,702 | $3,448+7.4% | $5,046-26.6% | $2,790+32.7% |
| Participant deferral / active EE | $8,830 | $6,558+34.6% | $8,276+6.7% | $4,249+107.8% |
| Admin fee / account holder | $3,528 | $8,692-59.4% | $16,712-78.9% | $8,951-60.6% |