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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 | $42,861 | $72,269-40.7% | $101,271-57.7% | $79,852-46.3% |
| Participation rate | 85.4% | 68.5%+16.9pp | 75.8%+9.6pp | 69.6%+15.7pp |
| Annual return | 21.43% | 22.29%-0.9pp | 46.48%-25.0pp | 31.72%-10.3pp |
| Employer contribution / active EE | $3,335 | $2,692+23.9% | $3,660-8.9% | $2,471+35.0% |
| Participant deferral / active EE | $7,243 | $3,282+120.7% | $4,371+65.7% | $3,740+93.7% |
| Admin fee / account holder | $778 | $4,401-82.3% | $5,948-86.9% | $5,306-85.3% |