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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 | $39,869 | $117,444-66.1% | $99,479-59.9% | $152,909-73.9% |
| Participation rate | 93.8% | 77.5%+16.2pp | 73.8%+19.9pp | 82.5%+11.3pp |
| Annual return | 23.40% | 31.87%-8.5pp | 30.72%-7.3pp | 345.46%-322.1pp |
| Employer contribution / active EE | $2,378 | $3,014-21.1% | $2,540-6.4% | $4,764-50.1% |
| Participant deferral / active EE | $4,271 | $4,086+4.5% | $3,619+18.0% | $5,851-27.0% |
| Admin fee / account holder | $769 | $7,635-89.9% | $6,253-87.7% | $11,601-93.4% |