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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 | $39,264 | $72,269-45.7% | $101,271-61.2% | $79,852-50.8% |
| Participation rate | 83.0% | 68.5%+14.6pp | 75.8%+7.2pp | 69.6%+13.4pp |
| Annual return | 26.25% | 22.29%+4.0pp | 46.48%-20.2pp | 31.72%-5.5pp |
| Employer contribution / active EE | $2,951 | $2,692+9.6% | $3,660-19.4% | $2,471+19.4% |
| Participant deferral / active EE | $6,654 | $3,282+102.8% | $4,371+52.2% | $3,740+77.9% |
| Admin fee / account holder | $4,274 | $4,401-2.9% | $5,948-28.1% | $5,306-19.5% |