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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 | $39,937 | $81,331-50.9% | $155,534-74.3% | $80,935-50.7% |
| Participation rate | 89.1% | 66.3%+22.8pp | 78.2%+10.9pp | 67.7%+21.4pp |
| Annual return | 14.45% | 33.37%-18.9pp | 64.92%-50.5pp | 35.66%-21.2pp |
| Employer contribution / active EE | $3,424 | $3,105+10.3% | $4,675-26.8% | $2,757+24.2% |
| Participant deferral / active EE | $9,440 | $3,454+173.3% | $5,630+67.7% | $4,299+119.6% |
| Admin fee / account holder | $6,734 | $7,999-15.8% | $15,900-57.6% | $6,924-2.7% |