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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 | $35,584 | $76,834-53.7% | $108,359-67.2% | $87,485-59.3% |
| Participation rate | 98.0% | 61.7%+36.3pp | 70.1%+27.9pp | 68.9%+29.1pp |
| Annual return | 12.12% | 19.09%-7.0pp | 36.89%-24.8pp | 26.06%-13.9pp |
| Employer contribution / active EE | $3,290 | $1,556+111.4% | $2,399+37.1% | $2,596+26.7% |
| Participant deferral / active EE | $2,924 | $3,100-5.7% | $4,137-29.3% | $4,274-31.6% |
| Admin fee / account holder | $17,200 | $6,537+163.1% | $9,741+76.6% | $7,775+121.2% |