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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 | $86,949-64.8% | $102,460-70.1% | $80,959-62.2% |
| Participation rate | 93.3% | 72.4%+20.9pp | 76.5%+16.8pp | 67.7%+25.7pp |
| Annual return | 40.26% | 18.89%+21.4pp | 29.47%+10.8pp | 35.67%+4.6pp |
| Employer contribution / active EE | $4,393 | $2,370+85.4% | $3,025+45.2% | $2,757+59.3% |
| Participant deferral / active EE | $7,794 | $4,121+89.1% | $5,056+54.1% | $4,300+81.2% |
| Admin fee / account holder | $6,542 | $8,048-18.7% | $9,460-30.8% | $6,925-5.5% |