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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 | $15,995 | $57,541-72.2% | $95,759-83.3% | $75,177-78.7% |
| Participation rate | 98.8% | 62.5%+36.3pp | 72.3%+26.5pp | 67.2%+31.6pp |
| Annual return | 24.21% | 34.93%-10.7pp | 28.42%-4.2pp | 160.75%-136.5pp |
| Employer contribution / active EE | $3,819 | $1,808+111.3% | $2,836+34.7% | $2,671+43.0% |
| Participant deferral / active EE | $4,067 | $3,074+32.3% | $4,244-4.2% | $4,126-1.4% |
| Admin fee / account holder | $4,761 | $4,099+16.2% | $5,678-16.2% | $5,651-15.8% |