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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 | $45,057 | $77,817-42.1% | $123,553-63.5% | $64,173-29.8% |
| Participation rate | 86.1% | 74.7%+11.4pp | 82.3%+3.8pp | 69.6%+16.5pp |
| Annual return | 6.99% | 12.49%-5.5pp | 119.21%-112.2pp | 7.63%-0.6pp |
| Employer contribution / active EE | $7,497 | $3,014+148.7% | $4,628+62.0% | $2,381+214.9% |
| Participant deferral / active EE | $17,938 | $5,240+242.3% | $6,426+179.2% | $3,470+417.0% |
| Admin fee / account holder | $1,075 | $5,519-80.5% | $9,284-88.4% | $4,887-78.0% |