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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 | $42,955 | $76,407-43.8% | $150,298-71.4% | $82,448-47.9% |
| Participation rate | 92.0% | 66.4%+25.6pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 28.27% | 39.99%-11.7pp | 62.79%-34.5pp | 41.64%-13.4pp |
| Employer contribution / active EE | $4,619 | $2,614+76.7% | $4,154+11.2% | $2,551+81.1% |
| Participant deferral / active EE | $8,831 | $3,214+174.7% | $5,453+62.0% | $4,139+113.3% |
| Admin fee / account holder | $1,096 | $6,352-82.8% | $14,116-92.2% | $7,234-84.9% |