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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 | $38,738 | $106,749-63.7% | $145,433-73.4% | $82,448-53.0% |
| Participation rate | 94.7% | 75.6%+19.1pp | 82.1%+12.6pp | 68.1%+26.7pp |
| Annual return | 21.43% | 27.59%-6.2pp | 66.58%-45.1pp | 41.64%-20.2pp |
| Employer contribution / active EE | $1,333 | $3,444-61.3% | $4,554-70.7% | $2,551-47.7% |
| Participant deferral / active EE | $8,339 | $6,519+27.9% | $7,897+5.6% | $4,139+101.5% |
| Admin fee / account holder | $427 | $8,390-94.9% | $13,129-96.7% | $7,234-94.1% |