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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 | $30,780 | $78,520-60.8% | $96,576-68.1% | $82,448-62.7% |
| Participation rate | 88.2% | 77.7%+10.5pp | 81.4%+6.8pp | 68.1%+20.2pp |
| Annual return | 25.25% | 41.30%-16.0pp | 38.47%-13.2pp | 41.64%-16.4pp |
| Employer contribution / active EE | $4,119 | $2,630+56.7% | $3,553+15.9% | $2,551+61.5% |
| Participant deferral / active EE | $4,604 | $6,754-31.8% | $7,956-42.1% | $4,139+11.2% |
| Admin fee / account holder | $6,349 | $13,455-52.8% | $11,381-44.2% | $7,234-12.2% |