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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 | $29,426 | $89,259-67.0% | $107,187-72.5% | $82,637-64.4% |
| Participation rate | 96.6% | 67.9%+28.6pp | 75.0%+21.5pp | 68.1%+28.5pp |
| Annual return | 18.79% | 21.02%-2.2pp | 204.55%-185.8pp | 53.51%-34.7pp |
| Employer contribution / active EE | $3,330 | $3,080+8.1% | $3,782-11.9% | $2,552+30.5% |
| Participant deferral / active EE | $4,284 | $4,037+6.1% | $5,096-15.9% | $4,126+3.8% |
| Admin fee / account holder | $709 | $7,381-90.4% | $9,162-92.3% | $7,339-90.3% |