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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 | $34,372 | $77,523-55.7% | $100,383-65.8% | $80,874-57.5% |
| Participation rate | 78.9% | 77.0%+1.9pp | 81.5%-2.6pp | 67.6%+11.2pp |
| Annual return | 35.03% | 37.21%-2.2pp | 49.26%-14.2pp | 35.62%-0.6pp |
| Employer contribution / active EE | $3,822 | $2,801+36.4% | $3,944-3.1% | $2,756+38.7% |
| Participant deferral / active EE | $8,744 | $6,822+28.2% | $8,086+8.1% | $4,297+103.5% |
| Admin fee / account holder | $690 | $5,899-88.3% | $7,900-91.3% | $6,935-90.1% |