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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 | $22,197 | $82,882-73.2% | $127,803-82.6% | $72,976-69.6% |
| Participation rate | 83.3% | 71.5%+11.8pp | 79.0%+4.3pp | 69.5%+13.8pp |
| Annual return | 22.51% | 32.20%-9.7pp | 26.14%-3.6pp | 81.02%-58.5pp |
| Employer contribution / active EE | $7,748 | $3,346+131.5% | $4,576+69.3% | $2,440+217.5% |
| Participant deferral / active EE | $4,222 | $4,791-11.9% | $6,023-29.9% | $3,608+17.0% |
| Admin fee / account holder | $1,676 | $6,487-74.2% | $9,399-82.2% | $5,124-67.3% |