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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 | $40,816 | $106,524-61.7% | $152,301-73.2% | $87,485-53.3% |
| Participation rate | 97.9% | 75.8%+22.1pp | 82.4%+15.4pp | 68.9%+28.9pp |
| Annual return | 22.63% | 26.89%-4.3pp | 80.50%-57.9pp | 26.06%-3.4pp |
| Employer contribution / active EE | $5,381 | $3,371+59.6% | $4,624+16.4% | $2,596+107.3% |
| Participant deferral / active EE | $5,460 | $6,525-16.3% | $8,004-31.8% | $4,274+27.8% |
| Admin fee / account holder | $1,377 | $8,287-83.4% | $14,398-90.4% | $7,775-82.3% |