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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 | $22,542 | $124,425-81.9% | $112,040-79.9% | $137,256-83.6% |
| Participation rate | 95.8% | 79.3%+16.5pp | 76.5%+19.3pp | 80.0%+15.9pp |
| Annual return | 17.28% | 24.72%-7.4pp | 24.52%-7.2pp | 220.34%-203.1pp |
| Employer contribution / active EE | $4,739 | $3,411+38.9% | $2,954+60.4% | $4,156+14.0% |
| Participant deferral / active EE | $7,286 | $5,718+27.4% | $5,098+42.9% | $6,407+13.7% |
| Admin fee / account holder | $498 | $15,207-96.7% | $12,098-95.9% | $12,270-95.9% |