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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 | $27,950 | $59,440-53.0% | $78,004-64.2% | $82,637-66.2% |
| Participation rate | 97.8% | 62.8%+35.0pp | 69.4%+28.4pp | 68.1%+29.8pp |
| Annual return | 19.35% | 40.24%-20.9pp | 31.07%-11.7pp | 53.51%-34.2pp |
| Employer contribution / active EE | $3,568 | $1,750+103.8% | $2,469+44.5% | $2,552+39.8% |
| Participant deferral / active EE | $6,892 | $3,138+119.6% | $4,092+68.4% | $4,126+67.0% |
| Admin fee / account holder | $1,447 | $5,504-73.7% | $7,578-80.9% | $7,339-80.3% |