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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 | $52,825 | $72,027-26.7% | $185,861-71.6% | $79,856-33.8% |
| Participation rate | 89.2% | 65.8%+23.4pp | 78.0%+11.1pp | 69.6%+19.5pp |
| Annual return | 22.06% | 23.13%-1.1pp | 35.96%-13.9pp | 31.71%-9.6pp |
| Employer contribution / active EE | $4,007 | $1,965+103.9% | $4,088-2.0% | $2,471+62.1% |
| Participant deferral / active EE | $6,866 | $3,780+81.7% | $5,634+21.9% | $3,741+83.6% |
| Admin fee / account holder | $414 | $4,513-90.8% | $9,503-95.6% | $5,306-92.2% |