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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 | $29,235 | $93,598-68.8% | $135,974-78.5% | $75,173-61.1% |
| Participation rate | 88.6% | 75.2%+13.4pp | 81.9%+6.7pp | 67.2%+21.4pp |
| Annual return | 23.37% | 30.89%-7.5pp | 68.30%-44.9pp | 160.72%-137.4pp |
| Employer contribution / active EE | $4,157 | $3,538+17.5% | $4,859-14.5% | $2,671+55.6% |
| Participant deferral / active EE | $8,704 | $6,405+35.9% | $7,760+12.2% | $4,126+111.0% |
| Admin fee / account holder | $1,535 | $6,978-78.0% | $10,767-85.7% | $5,651-72.8% |