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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 | $21,710 | $112,729-80.7% | $98,716-78.0% | $137,256-84.2% |
| Participation rate | 83.3% | 74.2%+9.1pp | 69.3%+14.0pp | 80.0%+3.4pp |
| Annual return | 19.70% | 38.48%-18.8pp | 31.81%-12.1pp | 220.34%-200.6pp |
| Employer contribution / active EE | $2,886 | $2,725+5.9% | $2,279+26.7% | $4,156-30.6% |
| Participant deferral / active EE | $4,073 | $4,640-12.2% | $4,048+0.6% | $6,407-36.4% |
| Admin fee / account holder | $957 | $10,129-90.5% | $8,703-89.0% | $12,270-92.2% |