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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 | $58,124 | $106,749-45.6% | $145,433-60.0% | $82,448-29.5% |
| Participation rate | 96.7% | 75.6%+21.0pp | 82.1%+14.5pp | 68.1%+28.6pp |
| Annual return | 17.34% | 27.59%-10.2pp | 66.58%-49.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $6,157 | $3,444+78.7% | $4,554+35.2% | $2,551+141.3% |
| Participant deferral / active EE | $8,263 | $6,519+26.8% | $7,897+4.6% | $4,139+99.6% |
| Admin fee / account holder | $3,920 | $8,390-53.3% | $13,129-70.1% | $7,234-45.8% |