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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 | $58,870 | $98,776-40.4% | $149,745-60.7% | $79,856-26.3% |
| Participation rate | 84.6% | 75.8%+8.8pp | 82.5%+2.1pp | 69.6%+15.0pp |
| Annual return | 26.51% | 27.38%-0.9pp | 276.72%-250.2pp | 31.71%-5.2pp |
| Employer contribution / active EE | $3,598 | $3,217+11.8% | $4,646-22.6% | $2,471+45.6% |
| Participant deferral / active EE | $9,327 | $5,681+64.2% | $6,843+36.3% | $3,741+149.4% |
| Admin fee / account holder | $1,269 | $6,053-79.0% | $9,312-86.4% | $5,306-76.1% |