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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 | $27,067 | $77,492-65.1% | $100,398-73.0% | $80,911-66.5% |
| Participation rate | 96.2% | 76.9%+19.2pp | 81.5%+14.7pp | 67.6%+28.5pp |
| Annual return | 13.68% | 37.23%-23.5pp | 49.32%-35.6pp | 35.63%-21.9pp |
| Employer contribution / active EE | $3,716 | $2,800+32.7% | $3,946-5.8% | $2,756+34.8% |
| Participant deferral / active EE | $4,763 | $6,817-30.1% | $8,084-41.1% | $4,297+10.8% |
| Admin fee / account holder | $3,974 | $5,892-32.6% | $7,893-49.7% | $6,935-42.7% |