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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 | $41,376 | $93,617-55.8% | $135,982-69.6% | $75,177-45.0% |
| Participation rate | 96.6% | 75.2%+21.4pp | 81.9%+14.6pp | 67.2%+29.3pp |
| Annual return | 20.90% | 30.89%-10.0pp | 68.32%-47.4pp | 160.75%-139.8pp |
| Employer contribution / active EE | $6,529 | $3,538+84.5% | $4,859+34.4% | $2,671+144.4% |
| Participant deferral / active EE | $8,148 | $6,406+27.2% | $7,760+5.0% | $4,126+97.4% |
| Admin fee / account holder | $331 | $6,980-95.3% | $10,767-96.9% | $5,651-94.1% |