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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 | $24,693 | $79,557-69.0% | $118,746-79.2% | $70,126-64.8% |
| Participation rate | 94.9% | 71.4%+23.5pp | 78.3%+16.6pp | 69.5%+25.3pp |
| Annual return | 16.46% | 25.64%-9.2pp | 24.54%-8.1pp | 73.15%-56.7pp |
| Employer contribution / active EE | $4,065 | $2,861+42.1% | $4,193-3.0% | $2,343+73.6% |
| Participant deferral / active EE | $5,289 | $4,089+29.4% | $5,332-0.8% | $3,332+58.7% |
| Admin fee / account holder | $4,816 | $5,374-10.4% | $10,720-55.1% | $4,645+3.7% |