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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 | $13,532 | $54,757-75.3% | $90,304-85.0% | $72,975-81.5% |
| Participation rate | 72.4% | 65.2%+7.3pp | 73.3%-0.9pp | 69.5%+2.9pp |
| Annual return | 41.89% | 30.63%+11.3pp | 78.13%-36.2pp | 81.01%-39.1pp |
| Employer contribution / active EE | $2,282 | $2,093+9.0% | $2,855-20.1% | $2,440-6.5% |
| Participant deferral / active EE | $4,415 | $2,887+52.9% | $3,885+13.6% | $3,608+22.4% |
| Admin fee / account holder | $570 | $3,973-85.7% | $5,354-89.4% | $5,124-88.9% |