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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 | $39,248 | $67,606-41.9% | $82,313-52.3% | $70,124-44.0% |
| Participation rate | 96.7% | 72.8%+23.9pp | 76.9%+19.8pp | 69.5%+27.1pp |
| Annual return | 15.13% | 21.57%-6.4pp | 25.88%-10.7pp | 73.14%-58.0pp |
| Employer contribution / active EE | $4,742 | $1,755+170.2% | $2,428+95.3% | $2,342+102.4% |
| Participant deferral / active EE | $5,550 | $2,987+85.8% | $3,706+49.8% | $3,332+66.6% |
| Admin fee / account holder | $2,445 | $4,512-45.8% | $5,608-56.4% | $4,645-47.4% |