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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 | $23,823 | $77,472-69.2% | $100,392-76.3% | $80,935-70.6% |
| Participation rate | 97.9% | 76.9%+20.9pp | 81.5%+16.4pp | 67.7%+30.2pp |
| Annual return | 42.18% | 37.26%+4.9pp | 49.45%-7.3pp | 35.66%+6.5pp |
| Employer contribution / active EE | $3,544 | $2,800+26.6% | $3,941-10.1% | $2,757+28.6% |
| Participant deferral / active EE | $8,318 | $6,818+22.0% | $8,090+2.8% | $4,299+93.5% |
| Admin fee / account holder | $2,209 | $5,885-62.5% | $7,904-72.1% | $6,924-68.1% |