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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 | $30,634 | $86,938-64.8% | $102,423-70.1% | $80,925-62.1% |
| Participation rate | 93.3% | 72.4%+21.0pp | 76.5%+16.8pp | 67.7%+25.7pp |
| Annual return | 40.26% | 18.89%+21.4pp | 29.42%+10.8pp | 35.65%+4.6pp |
| Employer contribution / active EE | $4,393 | $2,369+85.4% | $3,023+45.3% | $2,756+59.4% |
| Participant deferral / active EE | $7,794 | $4,120+89.2% | $5,054+54.2% | $4,299+81.3% |
| Admin fee / account holder | $6,542 | $8,053-18.8% | $9,455-30.8% | $6,940-5.7% |