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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 | $33,729 | $106,749-68.4% | $145,433-76.8% | $82,448-59.1% |
| Participation rate | 96.9% | 75.6%+21.2pp | 82.1%+14.8pp | 68.1%+28.8pp |
| Annual return | 21.14% | 27.59%-6.4pp | 66.58%-45.4pp | 41.64%-20.5pp |
| Employer contribution / active EE | $4,137 | $3,444+20.1% | $4,554-9.2% | $2,551+62.2% |
| Participant deferral / active EE | $8,172 | $6,519+25.4% | $7,897+3.5% | $4,139+97.4% |
| Admin fee / account holder | $1,725 | $8,390-79.4% | $13,129-86.9% | $7,234-76.2% |