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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 | $41,642 | $97,648-57.4% | $121,663-65.8% | $87,485-52.4% |
| Participation rate | 84.8% | 70.5%+14.4pp | 74.5%+10.4pp | 68.9%+15.9pp |
| Annual return | 18.79% | 18.03%+0.8pp | 147.54%-128.8pp | 26.06%-7.3pp |
| Employer contribution / active EE | $3,472 | $2,300+50.9% | $3,020+15.0% | $2,596+33.7% |
| Participant deferral / active EE | $6,561 | $3,923+67.2% | $4,887+34.2% | $4,274+53.5% |
| Admin fee / account holder | $2,565 | $11,100-76.9% | $14,289-82.1% | $7,775-67.0% |