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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 | $25,925 | $93,617-72.3% | $135,982-80.9% | $75,177-65.5% |
| Participation rate | 88.5% | 75.2%+13.3pp | 81.9%+6.5pp | 67.2%+21.3pp |
| Annual return | 21.57% | 30.89%-9.3pp | 68.32%-46.8pp | 160.75%-139.2pp |
| Employer contribution / active EE | $4,169 | $3,538+17.8% | $4,859-14.2% | $2,671+56.1% |
| Participant deferral / active EE | $7,961 | $6,406+24.3% | $7,760+2.6% | $4,126+92.9% |
| Admin fee / account holder | $2,963 | $6,980-57.5% | $10,767-72.5% | $5,651-47.6% |