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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 | $81,262-30.2% | $155,602-63.5% | $80,911-29.9% |
| Participation rate | 92.6% | 66.2%+26.4pp | 78.2%+14.4pp | 67.6%+24.9pp |
| Annual return | 11.21% | 33.34%-22.1pp | 64.81%-53.6pp | 35.63%-24.4pp |
| Employer contribution / active EE | $7,195 | $3,102+132.0% | $4,675+53.9% | $2,756+161.1% |
| Participant deferral / active EE | $4,262 | $3,451+23.5% | $5,629-24.3% | $4,297-0.8% |
| Admin fee / account holder | $2,537 | $7,992-68.3% | $15,923-84.1% | $6,935-63.4% |