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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 | $26,674 | $94,439-71.8% | $73,658-63.8% | $154,746-82.8% |
| Participation rate | 87.5% | 64.7%+22.8pp | 57.0%+30.5pp | 80.7%+6.8pp |
| Annual return | 36.70% | 28.25%+8.4pp | 29.72%+7.0pp | 172.34%-135.6pp |
| Employer contribution / active EE | $1,988 | $1,257+58.1% | $1,032+92.5% | $4,379-54.6% |
| Participant deferral / active EE | $4,901 | $2,527+94.0% | $2,062+137.7% | $6,730-27.2% |
| Admin fee / account holder | $2,840 | $3,843-26.1% | $3,357-15.4% | $14,365-80.2% |