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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 | $36,897 | $106,749-65.4% | $145,433-74.6% | $82,448-55.2% |
| Participation rate | 90.0% | 75.6%+14.4pp | 82.1%+7.9pp | 68.1%+21.9pp |
| Annual return | 25.31% | 27.59%-2.3pp | 66.58%-41.3pp | 41.64%-16.3pp |
| Employer contribution / active EE | $4,580 | $3,444+33.0% | $4,554+0.6% | $2,551+79.5% |
| Participant deferral / active EE | $7,019 | $6,519+7.7% | $7,897-11.1% | $4,139+69.6% |
| Admin fee / account holder | $1,989 | $8,390-76.3% | $13,129-84.9% | $7,234-72.5% |