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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 | $43,269 | $49,024-11.7% | $112,860-61.7% | $87,485-50.5% |
| Participation rate | 83.3% | 62.2%+21.2pp | 66.3%+17.0pp | 68.9%+14.4pp |
| Annual return | 20.93% | 43.86%-22.9pp | 35.26%-14.3pp | 26.06%-5.1pp |
| Employer contribution / active EE | $2,141 | $1,290+65.9% | $2,206-3.0% | $2,596-17.5% |
| Participant deferral / active EE | $4,047 | $2,209+83.3% | $3,493+15.9% | $4,274-5.3% |
| Admin fee / account holder | $689 | $6,266-89.0% | $6,841-89.9% | $7,775-91.1% |