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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 | $38,113 | $77,460-50.8% | $100,378-62.0% | $80,925-52.9% |
| Participation rate | 78.3% | 76.9%+1.4pp | 81.5%-3.2pp | 67.7%+10.7pp |
| Annual return | 23.36% | 37.24%-13.9pp | 49.41%-26.0pp | 35.65%-12.3pp |
| Employer contribution / active EE | $5,560 | $2,801+98.5% | $3,942+41.0% | $2,756+101.7% |
| Participant deferral / active EE | $8,112 | $6,818+19.0% | $8,087+0.3% | $4,299+88.7% |
| Admin fee / account holder | $3,057 | $5,887-48.1% | $7,899-61.3% | $6,940-55.9% |