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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 | $40,066 | $48,078-16.7% | $78,676-49.1% | $62,881-36.3% |
| Participation rate | 95.5% | 65.2%+30.2pp | 73.6%+21.9pp | 69.3%+26.1pp |
| Annual return | 6.47% | 31.36%-24.9pp | 62.19%-55.7pp | 20.14%-13.7pp |
| Employer contribution / active EE | $5,659 | $2,015+180.9% | $2,850+98.6% | $2,281+148.1% |
| Participant deferral / active EE | $3,692 | $2,587+42.7% | $3,517+5.0% | $3,203+15.3% |
| Admin fee / account holder | $3,516 | $3,206+9.7% | $4,510-22.0% | $4,296-18.1% |