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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 | $24,260 | $93,617-74.1% | $135,982-82.2% | $75,177-67.7% |
| Participation rate | 94.4% | 75.2%+19.2pp | 81.9%+12.5pp | 67.2%+27.2pp |
| Annual return | 26.67% | 30.89%-4.2pp | 68.32%-41.7pp | 160.75%-134.1pp |
| Employer contribution / active EE | $4,075 | $3,538+15.2% | $4,859-16.1% | $2,671+52.5% |
| Participant deferral / active EE | $6,628 | $6,406+3.5% | $7,760-14.6% | $4,126+60.6% |
| Admin fee / account holder | $522 | $6,980-92.5% | $10,767-95.2% | $5,651-90.8% |