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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 | $35,714 | $106,749-66.5% | $145,433-75.4% | $82,448-56.7% |
| Participation rate | 93.4% | 75.6%+17.8pp | 82.1%+11.3pp | 68.1%+25.4pp |
| Annual return | 21.45% | 27.59%-6.1pp | 66.58%-45.1pp | 41.64%-20.2pp |
| Employer contribution / active EE | $2,824 | $3,444-18.0% | $4,554-38.0% | $2,551+10.7% |
| Participant deferral / active EE | $6,127 | $6,519-6.0% | $7,897-22.4% | $4,139+48.0% |
| Admin fee / account holder | $555 | $8,390-93.4% | $13,129-95.8% | $7,234-92.3% |