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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 | $38,376 | $93,589-59.0% | $135,942-71.8% | $75,181-49.0% |
| Participation rate | 88.1% | 75.2%+12.9pp | 81.9%+6.2pp | 67.2%+20.9pp |
| Annual return | 24.02% | 30.90%-6.9pp | 68.28%-44.3pp | 160.69%-136.7pp |
| Employer contribution / active EE | $4,915 | $3,537+38.9% | $4,858+1.2% | $2,671+84.1% |
| Participant deferral / active EE | $10,270 | $6,405+60.3% | $7,759+32.4% | $4,126+148.9% |
| Admin fee / account holder | $6,148 | $6,977-11.9% | $10,764-42.9% | $5,650+8.8% |