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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 | $81,262-50.9% | $155,602-74.3% | $80,911-50.6% |
| Participation rate | 89.1% | 66.2%+22.9pp | 78.2%+10.9pp | 67.6%+21.4pp |
| Annual return | 14.45% | 33.34%-18.9pp | 64.81%-50.4pp | 35.63%-21.2pp |
| Employer contribution / active EE | $3,424 | $3,102+10.4% | $4,675-26.8% | $2,756+24.2% |
| Participant deferral / active EE | $9,440 | $3,451+173.5% | $5,629+67.7% | $4,297+119.7% |
| Admin fee / account holder | $6,734 | $7,992-15.7% | $15,923-57.7% | $6,935-2.9% |