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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 | $23,547 | $72,273-67.4% | $101,275-76.7% | $79,856-70.5% |
| Participation rate | 89.3% | 68.5%+20.8pp | 75.8%+13.5pp | 69.6%+19.6pp |
| Annual return | 35.49% | 22.30%+13.2pp | 46.48%-11.0pp | 31.71%+3.8pp |
| Employer contribution / active EE | $1,559 | $2,691-42.1% | $3,660-57.4% | $2,471-36.9% |
| Participant deferral / active EE | $2,572 | $3,282-21.6% | $4,371-41.1% | $3,741-31.2% |
| Admin fee / account holder | $4,835 | $4,401+9.9% | $5,948-18.7% | $5,306-8.9% |