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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 | $38,572 | $106,749-63.9% | $145,433-73.5% | $82,448-53.2% |
| Participation rate | 89.7% | 75.6%+14.0pp | 82.1%+7.5pp | 68.1%+21.6pp |
| Annual return | 17.92% | 27.59%-9.7pp | 66.58%-48.7pp | 41.64%-23.7pp |
| Employer contribution / active EE | $4,280 | $3,444+24.3% | $4,554-6.0% | $2,551+67.8% |
| Participant deferral / active EE | $8,036 | $6,519+23.3% | $7,897+1.8% | $4,139+94.1% |
| Admin fee / account holder | $4,395 | $8,390-47.6% | $13,129-66.5% | $7,234-39.3% |