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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 | $36,051 | $108,825-66.9% | $156,181-76.9% | $82,448-56.3% |
| Participation rate | 90.9% | 72.4%+18.5pp | 78.8%+12.1pp | 68.1%+22.8pp |
| Annual return | 15.63% | 20.59%-5.0pp | 64.87%-49.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $4,439 | $2,870+54.7% | $4,294+3.4% | $2,551+74.0% |
| Participant deferral / active EE | $4,525 | $4,577-1.1% | $6,132-26.2% | $4,139+9.3% |
| Admin fee / account holder | $5,894 | $9,341-36.9% | $14,586-59.6% | $7,234-18.5% |