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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 | $42,294 | $93,598-54.8% | $135,974-68.9% | $75,173-43.7% |
| Participation rate | 80.0% | 75.2%+4.8pp | 81.9%-1.9pp | 67.2%+12.8pp |
| Annual return | 31.81% | 30.89%+0.9pp | 68.30%-36.5pp | 160.72%-128.9pp |
| Employer contribution / active EE | $3,998 | $3,538+13.0% | $4,859-17.7% | $2,671+49.7% |
| Participant deferral / active EE | $7,505 | $6,405+17.2% | $7,760-3.3% | $4,126+81.9% |
| Admin fee / account holder | $4,857 | $6,978-30.4% | $10,767-54.9% | $5,651-14.0% |