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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 | $43,564 | $77,817-44.0% | $123,553-64.7% | $64,173-32.1% |
| Participation rate | 94.9% | 74.7%+20.2pp | 82.3%+12.6pp | 69.6%+25.3pp |
| Annual return | 15.38% | 12.49%+2.9pp | 119.21%-103.8pp | 7.63%+7.8pp |
| Employer contribution / active EE | $5,866 | $3,014+94.6% | $4,628+26.7% | $2,381+146.4% |
| Participant deferral / active EE | $7,377 | $5,240+40.8% | $6,426+14.8% | $3,470+112.6% |
| Admin fee / account holder | $3,871 | $5,519-29.9% | $9,284-58.3% | $4,887-20.8% |