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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 | $37,118 | $81,504-54.5% | $102,437-63.8% | $80,959-54.2% |
| Participation rate | 97.1% | 66.9%+30.2pp | 74.5%+22.6pp | 67.7%+29.4pp |
| Annual return | 14.33% | 25.60%-11.3pp | 24.95%-10.6pp | 35.67%-21.3pp |
| Employer contribution / active EE | $7,278 | $3,104+134.5% | $3,871+88.0% | $2,757+164.0% |
| Participant deferral / active EE | $2,702 | $3,871-30.2% | $5,060-46.6% | $4,300-37.2% |
| Admin fee / account holder | $886 | $6,719-86.8% | $8,388-89.4% | $6,925-87.2% |