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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 | $41,340 | $72,492-43.0% | $87,102-52.5% | $72,983-43.4% |
| Participation rate | 91.8% | 72.8%+19.0pp | 76.9%+14.9pp | 69.5%+22.3pp |
| Annual return | 26.78% | 24.46%+2.3pp | 28.19%-1.4pp | 81.01%-54.2pp |
| Employer contribution / active EE | $4,769 | $1,894+151.8% | $2,521+89.2% | $2,440+95.5% |
| Participant deferral / active EE | $11,128 | $3,270+240.4% | $4,048+174.9% | $3,608+208.5% |
| Admin fee / account holder | $1,748 | $5,055-65.4% | $7,491-76.7% | $5,124-65.9% |