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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 | $44,424 | $182,442-75.7% | $163,379-72.8% | $138,895-68.0% |
| Participation rate | 94.1% | 79.8%+14.3pp | 76.8%+17.3pp | 79.9%+14.2pp |
| Annual return | 45.80% | 72.74%-26.9pp | 63.41%-17.6pp | 145.39%-99.6pp |
| Employer contribution / active EE | $4,470 | $4,159+7.5% | $3,752+19.1% | $4,194+6.6% |
| Participant deferral / active EE | $10,918 | $6,817+60.2% | $6,282+73.8% | $6,396+70.7% |
| Admin fee / account holder | $7,391 | $10,396-28.9% | $9,818-24.7% | $12,562-41.2% |