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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 | $32,037 | $48,078-33.4% | $78,676-59.3% | $62,881-49.1% |
| Participation rate | 92.6% | 65.2%+27.4pp | 73.6%+19.0pp | 69.3%+23.3pp |
| Annual return | 8.39% | 31.36%-23.0pp | 62.19%-53.8pp | 20.14%-11.8pp |
| Employer contribution / active EE | $4,852 | $2,015+140.9% | $2,850+70.3% | $2,281+112.7% |
| Participant deferral / active EE | $4,417 | $2,587+70.7% | $3,517+25.6% | $3,203+37.9% |
| Admin fee / account holder | $464 | $3,206-85.5% | $4,510-89.7% | $4,296-89.2% |