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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 | $41,538 | $115,225-64.0% | $100,712-58.8% | $138,895-70.1% |
| Participation rate | 95.0% | 74.3%+20.7pp | 69.3%+25.7pp | 79.9%+15.1pp |
| Annual return | 13.72% | 40.35%-26.6pp | 33.27%-19.6pp | 145.39%-131.7pp |
| Employer contribution / active EE | $3,216 | $2,771+16.1% | $2,313+39.1% | $4,194-23.3% |
| Participant deferral / active EE | $5,070 | $4,699+7.9% | $4,085+24.1% | $6,396-20.7% |
| Admin fee / account holder | $2,187 | $10,844-79.8% | $9,256-76.4% | $12,562-82.6% |