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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 | $42,271 | $79,557-46.9% | $118,746-64.4% | $70,126-39.7% |
| Participation rate | 78.6% | 71.4%+7.2pp | 78.3%+0.3pp | 69.5%+9.0pp |
| Annual return | 31.25% | 25.64%+5.6pp | 24.54%+6.7pp | 73.15%-41.9pp |
| Employer contribution / active EE | $3,925 | $2,861+37.2% | $4,193-6.4% | $2,343+67.6% |
| Participant deferral / active EE | $9,518 | $4,089+132.8% | $5,332+78.5% | $3,332+185.7% |
| Admin fee / account holder | $9,091 | $5,374+69.2% | $10,720-15.2% | $4,645+95.7% |