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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 | $36,186 | $106,864-66.1% | $147,318-75.4% | $82,637-56.2% |
| Participation rate | 73.7% | 75.5%-1.8pp | 82.1%-8.4pp | 68.1%+5.6pp |
| Annual return | 31.26% | 27.49%+3.8pp | 70.43%-39.2pp | 53.51%-22.2pp |
| Employer contribution / active EE | $4,151 | $3,417+21.5% | $4,593-9.6% | $2,552+62.6% |
| Participant deferral / active EE | $6,824 | $6,496+5.0% | $7,906-13.7% | $4,126+65.4% |
| Admin fee / account holder | $3,188 | $8,415-62.1% | $13,708-76.7% | $7,339-56.6% |