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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 | $39,588 | $65,367-39.4% | $92,915-57.4% | $72,976-45.8% |
| Participation rate | 76.9% | 68.3%+8.6pp | 76.0%+0.9pp | 69.5%+7.4pp |
| Annual return | 25.99% | 42.11%-16.1pp | 109.45%-83.5pp | 81.02%-55.0pp |
| Employer contribution / active EE | $3,677 | $2,594+41.7% | $3,653+0.6% | $2,440+50.7% |
| Participant deferral / active EE | $5,113 | $3,128+63.4% | $4,238+20.6% | $3,608+41.7% |
| Admin fee / account holder | $928 | $4,251-78.2% | $5,796-84.0% | $5,124-81.9% |