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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 | $63,206 | $108,825-41.9% | $156,181-59.5% | $82,448-23.3% |
| Participation rate | 75.5% | 72.4%+3.1pp | 78.8%-3.4pp | 68.1%+7.4pp |
| Annual return | 30.24% | 20.59%+9.7pp | 64.87%-34.6pp | 41.64%-11.4pp |
| Employer contribution / active EE | $3,735 | $2,870+30.2% | $4,294-13.0% | $2,551+46.4% |
| Participant deferral / active EE | $6,324 | $4,577+38.2% | $6,132+3.1% | $4,139+52.8% |
| Admin fee / account holder | $822 | $9,341-91.2% | $14,586-94.4% | $7,234-88.6% |