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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 | $27,951 | $73,988-62.2% | $96,538-71.0% | $75,177-62.8% |
| Participation rate | 86.2% | 66.4%+19.8pp | 74.3%+11.9pp | 67.2%+19.0pp |
| Annual return | 19.65% | 26.73%-7.1pp | 35.74%-16.1pp | 160.75%-141.1pp |
| Employer contribution / active EE | $4,373 | $2,930+49.2% | $3,740+16.9% | $2,671+63.7% |
| Participant deferral / active EE | $2,945 | $3,660-19.6% | $4,880-39.7% | $4,126-28.6% |
| Admin fee / account holder | $465 | $5,220-91.1% | $6,737-93.1% | $5,651-91.8% |