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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 | $57,554 | $106,749-46.1% | $145,433-60.4% | $82,448-30.2% |
| Participation rate | 84.1% | 75.6%+8.4pp | 82.1%+2.0pp | 68.1%+16.0pp |
| Annual return | 19.87% | 27.59%-7.7pp | 66.58%-46.7pp | 41.64%-21.8pp |
| Employer contribution / active EE | $4,765 | $3,444+38.3% | $4,554+4.6% | $2,551+86.8% |
| Participant deferral / active EE | $4,246 | $6,519-34.9% | $7,897-46.2% | $4,139+2.6% |
| Admin fee / account holder | $797 | $8,390-90.5% | $13,129-93.9% | $7,234-89.0% |