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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 | $37,754 | $86,050-56.1% | $189,758-80.1% | $94,015-59.8% |
| Participation rate | 98.0% | 68.9%+29.1pp | 79.8%+18.2pp | 70.8%+27.2pp |
| Annual return | 14.83% | 17.77%-2.9pp | 52.62%-37.8pp | 17.84%-3.0pp |
| Employer contribution / active EE | $4,832 | $2,819+71.4% | $4,767+1.4% | $2,790+73.2% |
| Participant deferral / active EE | $2,143 | $3,349-36.0% | $5,856-63.4% | $4,249-49.6% |
| Admin fee / account holder | $3,615 | $6,627-45.5% | $20,388-82.3% | $8,951-59.6% |