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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 | $67,022 | $106,864-37.3% | $147,318-54.5% | $82,637-18.9% |
| Participation rate | 92.9% | 75.5%+17.4pp | 82.1%+10.8pp | 68.1%+24.8pp |
| Annual return | 15.04% | 27.49%-12.4pp | 70.43%-55.4pp | 53.51%-38.5pp |
| Employer contribution / active EE | $5,835 | $3,417+70.8% | $4,593+27.0% | $2,552+128.6% |
| Participant deferral / active EE | $7,596 | $6,496+16.9% | $7,906-3.9% | $4,126+84.1% |
| Admin fee / account holder | $2,469 | $8,415-70.7% | $13,708-82.0% | $7,339-66.4% |