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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 | $35,470 | $90,400-60.8% | $186,193-80.9% | $87,485-59.5% |
| Participation rate | 86.4% | 66.2%+20.2pp | 77.1%+9.3pp | 68.9%+17.4pp |
| Annual return | 14.22% | 22.15%-7.9pp | 78.03%-63.8pp | 26.06%-11.8pp |
| Employer contribution / active EE | $2,265 | $2,170+4.4% | $3,918-42.2% | $2,596-12.8% |
| Participant deferral / active EE | $3,611 | $4,330-16.6% | $6,513-44.6% | $4,274-15.5% |
| Admin fee / account holder | $4,510 | $8,673-48.0% | $11,058-59.2% | $7,775-42.0% |