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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 | $35,161 | $63,456-44.6% | $100,712-65.1% | $64,097-45.1% |
| Participation rate | 87.8% | 49.7%+38.2pp | 69.3%+18.6pp | 55.2%+32.6pp |
| Annual return | 63.89% | 19.65%+44.2pp | 33.27%+30.6pp | 34.64%+29.3pp |
| Employer contribution / active EE | $2,850 | $1,003+184.3% | $2,313+23.2% | $1,891+50.7% |
| Participant deferral / active EE | $6,715 | $2,463+172.6% | $4,085+64.4% | $3,080+118.0% |
| Admin fee / account holder | $2,557 | $4,808-46.8% | $9,256-72.4% | $3,454-26.0% |