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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 | $52,105 | $81,358-36.0% | $155,556-66.5% | $80,959-35.6% |
| Participation rate | 96.7% | 66.3%+30.4pp | 78.2%+18.4pp | 67.7%+29.0pp |
| Annual return | 23.72% | 33.39%-9.7pp | 64.84%-41.1pp | 35.67%-11.9pp |
| Employer contribution / active EE | $2,916 | $3,106-6.1% | $4,675-37.6% | $2,757+5.8% |
| Participant deferral / active EE | $6,287 | $3,455+81.9% | $5,631+11.7% | $4,300+46.2% |
| Admin fee / account holder | $480 | $7,994-94.0% | $15,885-97.0% | $6,925-93.1% |