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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 | $37,822 | $64,359-41.2% | $90,161-58.1% | $70,126-46.1% |
| Participation rate | 96.9% | 70.4%+26.4pp | 76.9%+20.0pp | 69.5%+27.3pp |
| Annual return | 20.49% | 28.13%-7.6pp | 34.89%-14.4pp | 73.15%-52.7pp |
| Employer contribution / active EE | $4,849 | $2,046+137.1% | $3,318+46.1% | $2,343+107.0% |
| Participant deferral / active EE | $4,238 | $4,389-3.4% | $5,287-19.8% | $3,332+27.2% |
| Admin fee / account holder | $425 | $3,945-89.2% | $5,943-92.8% | $4,645-90.8% |