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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 | $52,105 | $81,276-35.9% | $155,574-66.5% | $80,925-35.6% |
| Participation rate | 96.7% | 66.2%+30.4pp | 78.2%+18.5pp | 67.7%+29.0pp |
| Annual return | 23.72% | 33.36%-9.6pp | 64.87%-41.1pp | 35.65%-11.9pp |
| Employer contribution / active EE | $2,916 | $3,103-6.0% | $4,676-37.6% | $2,756+5.8% |
| Participant deferral / active EE | $6,287 | $3,453+82.1% | $5,629+11.7% | $4,299+46.3% |
| Admin fee / account holder | $480 | $7,993-94.0% | $15,914-97.0% | $6,940-93.1% |