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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 | $78,690-52.0% | $161,489-76.6% | $87,485-56.8% |
| Participation rate | 98.0% | 67.5%+30.6pp | 78.7%+19.3pp | 68.9%+29.1pp |
| Annual return | 14.83% | 32.74%-17.9pp | 89.72%-74.9pp | 26.06%-11.2pp |
| Employer contribution / active EE | $4,832 | $2,588+86.7% | $4,268+13.2% | $2,596+86.1% |
| Participant deferral / active EE | $2,143 | $3,311-35.3% | $5,630-61.9% | $4,274-49.9% |
| Admin fee / account holder | $3,615 | $6,724-46.2% | $16,006-77.4% | $7,775-53.5% |