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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 | $40,457 | $93,598-56.8% | $135,974-70.2% | $75,173-46.2% |
| Participation rate | 83.7% | 75.2%+8.5pp | 81.9%+1.8pp | 67.2%+16.5pp |
| Annual return | 33.12% | 30.89%+2.2pp | 68.30%-35.2pp | 160.72%-127.6pp |
| Employer contribution / active EE | $3,819 | $3,538+7.9% | $4,859-21.4% | $2,671+43.0% |
| Participant deferral / active EE | $7,314 | $6,405+14.2% | $7,760-5.7% | $4,126+77.3% |
| Admin fee / account holder | $806 | $6,978-88.5% | $10,767-92.5% | $5,651-85.7% |