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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 | $50,148 | $67,602-25.8% | $82,312-39.1% | $70,126-28.5% |
| Participation rate | 98.0% | 72.8%+25.3pp | 76.9%+21.1pp | 69.5%+28.5pp |
| Annual return | 17.44% | 21.57%-4.1pp | 25.88%-8.4pp | 73.15%-55.7pp |
| Employer contribution / active EE | $7,739 | $1,755+341.0% | $2,428+218.7% | $2,343+230.4% |
| Participant deferral / active EE | $3,519 | $2,987+17.8% | $3,706-5.1% | $3,332+5.6% |
| Admin fee / account holder | $1,972 | $4,512-56.3% | $5,608-64.8% | $4,645-57.5% |