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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 | $30,295 | $97,125-68.8% | $86,233-64.9% | $137,256-77.9% |
| Participation rate | 95.8% | 74.2%+21.6pp | 69.0%+26.8pp | 80.0%+15.9pp |
| Annual return | 26.83% | 74.19%-47.4pp | 61.39%-34.6pp | 220.34%-193.5pp |
| Employer contribution / active EE | $4,411 | $2,841+55.2% | $2,504+76.1% | $4,156+6.1% |
| Participant deferral / active EE | $12,509 | $5,180+141.5% | $4,559+174.4% | $6,407+95.2% |
| Admin fee / account holder | $6,307 | $9,725-35.1% | $8,342-24.4% | $12,270-48.6% |