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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 | $37,517 | $81,358-53.9% | $155,556-75.9% | $80,959-53.7% |
| Participation rate | 93.1% | 66.3%+26.8pp | 78.2%+14.9pp | 67.7%+25.4pp |
| Annual return | 12.45% | 33.39%-20.9pp | 64.84%-52.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $4,340 | $3,106+39.7% | $4,675-7.2% | $2,757+57.4% |
| Participant deferral / active EE | $5,619 | $3,455+62.6% | $5,631-0.2% | $4,300+30.7% |
| Admin fee / account holder | $2,388 | $7,994-70.1% | $15,885-85.0% | $6,925-65.5% |