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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 | $54,255 | $106,524-49.1% | $152,301-64.4% | $87,485-38.0% |
| Participation rate | 94.9% | 75.8%+19.2pp | 82.4%+12.5pp | 68.9%+26.0pp |
| Annual return | 25.66% | 26.89%-1.2pp | 80.50%-54.8pp | 26.06%-0.4pp |
| Employer contribution / active EE | $4,615 | $3,371+36.9% | $4,624-0.2% | $2,596+77.7% |
| Participant deferral / active EE | $11,345 | $6,525+73.9% | $8,004+41.7% | $4,274+165.5% |
| Admin fee / account holder | $1,382 | $8,287-83.3% | $14,398-90.4% | $7,775-82.2% |