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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 | $37,676 | $72,177-47.8% | $115,038-67.2% | $59,633-36.8% |
| Participation rate | 91.7% | 72.6%+19.1pp | 81.4%+10.3pp | 68.7%+23.0pp |
| Annual return | 9.75% | 12.02%-2.3pp | 26.14%-16.4pp | 2041.45%-2031.7pp |
| Employer contribution / active EE | $4,104 | $2,841+44.4% | $4,608-10.9% | $2,203+86.3% |
| Participant deferral / active EE | $7,911 | $4,783+65.4% | $6,026+31.3% | $3,192+147.9% |
| Admin fee / account holder | $1,116 | $4,927-77.3% | $8,175-86.3% | $4,297-74.0% |