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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 | $40,457 | $64,359-37.1% | $90,161-55.1% | $70,126-42.3% |
| Participation rate | 90.0% | 70.4%+19.6pp | 76.9%+13.1pp | 69.5%+20.5pp |
| Annual return | 17.10% | 28.13%-11.0pp | 34.89%-17.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $3,193 | $2,046+56.1% | $3,318-3.8% | $2,343+36.3% |
| Participant deferral / active EE | $7,364 | $4,389+67.8% | $5,287+39.3% | $3,332+121.0% |
| Admin fee / account holder | $738 | $3,945-81.3% | $5,943-87.6% | $4,645-84.1% |