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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 | $59,298 | $98,776-40.0% | $149,745-60.4% | $79,856-25.7% |
| Participation rate | 81.8% | 75.8%+6.0pp | 82.5%-0.7pp | 69.6%+12.2pp |
| Annual return | 14.47% | 27.38%-12.9pp | 276.72%-262.3pp | 31.71%-17.2pp |
| Employer contribution / active EE | $4,552 | $3,217+41.5% | $4,646-2.0% | $2,471+84.2% |
| Participant deferral / active EE | $9,883 | $5,681+73.9% | $6,843+44.4% | $3,741+164.2% |
| Admin fee / account holder | $3,956 | $6,053-34.6% | $9,312-57.5% | $5,306-25.5% |