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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 | $53,132 | $93,598-43.2% | $135,974-60.9% | $75,173-29.3% |
| Participation rate | 98.3% | 75.2%+23.1pp | 81.9%+16.4pp | 67.2%+31.1pp |
| Annual return | 30.06% | 30.89%-0.8pp | 68.30%-38.2pp | 160.72%-130.7pp |
| Employer contribution / active EE | $7,234 | $3,538+104.5% | $4,859+48.9% | $2,671+170.8% |
| Participant deferral / active EE | $12,768 | $6,405+99.3% | $7,760+64.5% | $4,126+209.4% |
| Admin fee / account holder | $2,745 | $6,978-60.7% | $10,767-74.5% | $5,651-51.4% |