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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 | $39,013 | $76,407-48.9% | $150,298-74.0% | $82,448-52.7% |
| Participation rate | 93.2% | 66.4%+26.8pp | 77.8%+15.4pp | 68.1%+25.1pp |
| Annual return | 15.63% | 39.99%-24.4pp | 62.79%-47.2pp | 41.64%-26.0pp |
| Employer contribution / active EE | $3,098 | $2,614+18.5% | $4,154-25.4% | $2,551+21.4% |
| Participant deferral / active EE | $4,768 | $3,214+48.3% | $5,453-12.6% | $4,139+15.2% |
| Admin fee / account holder | $8,884 | $6,352+39.9% | $14,116-37.1% | $7,234+22.8% |