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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 | $61,767 | $101,763-39.3% | $164,866-62.5% | $80,874-23.6% |
| Participation rate | 86.2% | 71.8%+14.4pp | 78.6%+7.6pp | 67.6%+18.6pp |
| Annual return | 31.03% | 16.73%+14.3pp | 69.97%-38.9pp | 35.62%-4.6pp |
| Employer contribution / active EE | $3,390 | $2,954+14.7% | $4,343-21.9% | $2,756+23.0% |
| Participant deferral / active EE | $7,269 | $4,477+62.4% | $6,033+20.5% | $4,297+69.2% |
| Admin fee / account holder | $3,910 | $8,228-52.5% | $12,689-69.2% | $6,935-43.6% |