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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 | $43,226 | $67,606-36.1% | $82,313-47.5% | $70,124-38.4% |
| Participation rate | 80.4% | 72.8%+7.7pp | 76.9%+3.5pp | 69.5%+10.9pp |
| Annual return | 23.32% | 21.57%+1.8pp | 25.88%-2.6pp | 73.14%-49.8pp |
| Employer contribution / active EE | $8,487 | $1,755+383.6% | $2,428+249.5% | $2,342+262.3% |
| Participant deferral / active EE | $4,415 | $2,987+47.8% | $3,706+19.1% | $3,332+32.5% |
| Admin fee / account holder | $3,755 | $4,512-16.8% | $5,608-33.0% | $4,645-19.2% |