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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 | $21,106 | $56,287-62.5% | $80,977-73.9% | $62,881-66.4% |
| Participation rate | 96.3% | 68.9%+27.4pp | 75.8%+20.5pp | 69.3%+27.0pp |
| Annual return | 12.64% | 22.13%-9.5pp | 17.11%-4.5pp | 20.14%-7.5pp |
| Employer contribution / active EE | $4,341 | $1,943+123.4% | $3,715+16.9% | $2,281+90.3% |
| Participant deferral / active EE | $6,449 | $4,196+53.7% | $5,696+13.2% | $3,203+101.4% |
| Admin fee / account holder | $1,045 | $3,742-72.1% | $5,517-81.1% | $4,296-75.7% |