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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 | $32,398 | $81,276-60.1% | $155,574-79.2% | $80,925-60.0% |
| Participation rate | 88.5% | 66.2%+22.2pp | 78.2%+10.2pp | 67.7%+20.8pp |
| Annual return | 40.70% | 33.36%+7.3pp | 64.87%-24.2pp | 35.65%+5.1pp |
| Employer contribution / active EE | $2,356 | $3,103-24.1% | $4,676-49.6% | $2,756-14.5% |
| Participant deferral / active EE | $4,084 | $3,453+18.3% | $5,629-27.4% | $4,299-5.0% |
| Admin fee / account holder | $2,498 | $7,993-68.7% | $15,914-84.3% | $6,940-64.0% |