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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 | $35,105 | $72,273-51.4% | $101,275-65.3% | $79,856-56.0% |
| Participation rate | 89.3% | 68.5%+20.8pp | 75.8%+13.5pp | 69.6%+19.6pp |
| Annual return | 18.97% | 22.30%-3.3pp | 46.48%-27.5pp | 31.71%-12.7pp |
| Employer contribution / active EE | $5,854 | $2,691+117.5% | $3,660+59.9% | $2,471+136.9% |
| Participant deferral / active EE | $1,464 | $3,282-55.4% | $4,371-66.5% | $3,741-60.9% |
| Admin fee / account holder | $401 | $4,401-90.9% | $5,948-93.3% | $5,306-92.4% |