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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 | $59,184 | $93,617-36.8% | $135,982-56.5% | $75,177-21.3% |
| Participation rate | 98.5% | 75.2%+23.3pp | 81.9%+16.6pp | 67.2%+31.3pp |
| Annual return | 18.61% | 30.89%-12.3pp | 68.32%-49.7pp | 160.75%-142.1pp |
| Employer contribution / active EE | $4,028 | $3,538+13.8% | $4,859-17.1% | $2,671+50.8% |
| Participant deferral / active EE | $4,802 | $6,406-25.0% | $7,760-38.1% | $4,126+16.4% |
| Admin fee / account holder | $4,061 | $6,980-41.8% | $10,767-62.3% | $5,651-28.1% |