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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 | $40,038 | $84,236-52.5% | $170,435-76.5% | $70,126-42.9% |
| Participation rate | 94.8% | 70.8%+24.0pp | 83.6%+11.2pp | 69.5%+25.3pp |
| Annual return | 14.36% | 23.06%-8.7pp | 205.94%-191.6pp | 73.15%-58.8pp |
| Employer contribution / active EE | $3,879 | $3,387+14.5% | $5,432-28.6% | $2,343+65.6% |
| Participant deferral / active EE | $2,504 | $3,086-18.8% | $4,939-49.3% | $3,332-24.8% |
| Admin fee / account holder | $1,244 | $5,698-78.2% | $13,881-91.0% | $4,645-73.2% |