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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 | $27,649 | $75,541-63.4% | $152,093-81.8% | $82,637-66.5% |
| Participation rate | 98.3% | 66.5%+31.8pp | 77.8%+20.6pp | 68.1%+30.3pp |
| Annual return | 15.49% | 32.56%-17.1pp | 66.36%-50.9pp | 53.51%-38.0pp |
| Employer contribution / active EE | $4,651 | $2,622+77.4% | $4,175+11.4% | $2,552+82.2% |
| Participant deferral / active EE | $3,146 | $3,206-1.9% | $5,451-42.3% | $4,126-23.8% |
| Admin fee / account holder | $22,446 | $6,405+250.5% | $14,497+54.8% | $7,339+205.9% |