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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 | $45,108 | $77,472-41.8% | $100,392-55.1% | $80,935-44.3% |
| Participation rate | 95.7% | 76.9%+18.7pp | 81.5%+14.1pp | 67.7%+28.0pp |
| Annual return | 25.11% | 37.26%-12.1pp | 49.45%-24.3pp | 35.66%-10.5pp |
| Employer contribution / active EE | $6,154 | $2,800+119.8% | $3,941+56.1% | $2,757+123.3% |
| Participant deferral / active EE | $12,158 | $6,818+78.3% | $8,090+50.3% | $4,299+182.8% |
| Admin fee / account holder | $1,061 | $5,885-82.0% | $7,904-86.6% | $6,924-84.7% |