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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 | $38,943 | $56,054-30.5% | $171,082-77.2% | $62,881-38.1% |
| Participation rate | 98.6% | 62.9%+35.7pp | 76.7%+21.9pp | 69.3%+29.3pp |
| Annual return | 15.50% | 22.52%-7.0pp | 32.56%-17.1pp | 20.14%-4.6pp |
| Employer contribution / active EE | $3,313 | $1,731+91.4% | $4,002-17.2% | $2,281+45.3% |
| Participant deferral / active EE | $2,964 | $3,158-6.2% | $4,797-38.2% | $3,203-7.5% |
| Admin fee / account holder | $2,193 | $3,647-39.9% | $8,520-74.3% | $4,296-49.0% |