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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 | $56,719 | $81,331-30.3% | $155,534-63.5% | $80,935-29.9% |
| Participation rate | 92.6% | 66.3%+26.3pp | 78.2%+14.4pp | 67.7%+24.9pp |
| Annual return | 11.21% | 33.37%-22.2pp | 64.92%-53.7pp | 35.66%-24.5pp |
| Employer contribution / active EE | $7,195 | $3,105+131.7% | $4,675+53.9% | $2,757+161.0% |
| Participant deferral / active EE | $4,262 | $3,454+23.4% | $5,630-24.3% | $4,299-0.9% |
| Admin fee / account holder | $2,537 | $7,999-68.3% | $15,900-84.0% | $6,924-63.4% |