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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 | $38,510 | $73,955-47.9% | $96,520-60.1% | $75,181-48.8% |
| Participation rate | 85.7% | 66.4%+19.3pp | 74.3%+11.4pp | 67.2%+18.5pp |
| Annual return | 13.77% | 26.72%-13.0pp | 35.72%-21.9pp | 160.69%-146.9pp |
| Employer contribution / active EE | $6,174 | $2,930+110.7% | $3,739+65.1% | $2,671+131.2% |
| Participant deferral / active EE | $3,466 | $3,659-5.3% | $4,879-29.0% | $4,126-16.0% |
| Admin fee / account holder | $5,108 | $5,217-2.1% | $6,733-24.1% | $5,650-9.6% |