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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 | $31,416 | $57,073-45.0% | $85,126-63.1% | $80,925-61.2% |
| Participation rate | 88.6% | 56.4%+32.2pp | 67.5%+21.1pp | 67.7%+20.9pp |
| Annual return | 34.55% | 21.69%+12.9pp | 66.63%-32.1pp | 35.65%-1.1pp |
| Employer contribution / active EE | $6,745 | $1,801+274.6% | $2,731+147.0% | $2,756+144.7% |
| Participant deferral / active EE | $4,267 | $3,113+37.1% | $4,523-5.7% | $4,299-0.7% |
| Admin fee / account holder | $1,598 | $4,988-68.0% | $6,160-74.1% | $6,940-77.0% |