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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 | $38,700 | $76,551-49.4% | $123,894-68.8% | $62,881-38.5% |
| Participation rate | 89.3% | 73.0%+16.3pp | 81.4%+7.9pp | 69.3%+20.0pp |
| Annual return | 9.58% | 18.68%-9.1pp | 47.52%-37.9pp | 20.14%-10.6pp |
| Employer contribution / active EE | $3,620 | $2,882+25.6% | $4,617-21.6% | $2,281+58.7% |
| Participant deferral / active EE | $7,019 | $4,840+45.0% | $5,984+17.3% | $3,203+119.1% |
| Admin fee / account holder | $7,903 | $4,826+63.8% | $8,357-5.4% | $4,296+84.0% |