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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 | $84,953-58.2% | $163,379-78.3% | $82,637-57.1% |
| Participation rate | 86.4% | 65.9%+20.4pp | 76.8%+9.5pp | 68.1%+18.3pp |
| Annual return | 14.22% | 23.07%-8.9pp | 63.41%-49.2pp | 53.51%-39.3pp |
| Employer contribution / active EE | $2,265 | $2,183+3.8% | $3,752-39.6% | $2,552-11.3% |
| Participant deferral / active EE | $3,611 | $4,326-16.5% | $6,282-42.5% | $4,126-12.5% |
| Admin fee / account holder | $4,510 | $7,921-43.1% | $9,818-54.1% | $7,339-38.5% |