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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 | $30,866 | $80,985-61.9% | $96,576-68.0% | $75,181-58.9% |
| Participation rate | 97.0% | 71.8%+25.2pp | 76.0%+21.0pp | 67.2%+29.8pp |
| Annual return | 29.31% | 27.05%+2.3pp | 25.87%+3.4pp | 160.69%-131.4pp |
| Employer contribution / active EE | $4,928 | $2,282+115.9% | $2,965+66.2% | $2,671+84.5% |
| Participant deferral / active EE | $13,168 | $3,929+235.2% | $4,851+171.5% | $4,126+219.2% |
| Admin fee / account holder | $362 | $6,719-94.6% | $8,253-95.6% | $5,650-93.6% |