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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 | $68,146 | $106,749-36.2% | $145,433-53.1% | $82,448-17.3% |
| Participation rate | 92.6% | 75.6%+17.0pp | 82.1%+10.5pp | 68.1%+24.6pp |
| Annual return | 23.68% | 27.59%-3.9pp | 66.58%-42.9pp | 41.64%-18.0pp |
| Employer contribution / active EE | $3,809 | $3,444+10.6% | $4,554-16.4% | $2,551+49.3% |
| Participant deferral / active EE | $8,691 | $6,519+33.3% | $7,897+10.0% | $4,139+110.0% |
| Admin fee / account holder | $2,148 | $8,390-74.4% | $13,129-83.6% | $7,234-70.3% |