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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 | $39,557 | $80,992-51.2% | $96,534-59.0% | $75,173-47.4% |
| Participation rate | 82.4% | 71.8%+10.6pp | 76.0%+6.4pp | 67.2%+15.1pp |
| Annual return | 23.35% | 27.05%-3.7pp | 25.88%-2.5pp | 160.72%-137.4pp |
| Employer contribution / active EE | $4,918 | $2,283+115.4% | $2,965+65.8% | $2,671+84.1% |
| Participant deferral / active EE | $14,883 | $3,929+278.8% | $4,851+206.8% | $4,126+260.7% |
| Admin fee / account holder | $7,890 | $6,717+17.5% | $8,253-4.4% | $5,651+39.6% |