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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 | $26,436 | $78,197-66.2% | $98,090-73.0% | $82,637-68.0% |
| Participation rate | 95.7% | 77.5%+18.2pp | 81.5%+14.1pp | 68.1%+27.6pp |
| Annual return | 32.93% | 40.25%-7.3pp | 37.05%-4.1pp | 53.51%-20.6pp |
| Employer contribution / active EE | $4,568 | $2,605+75.4% | $3,606+26.7% | $2,552+79.0% |
| Participant deferral / active EE | $8,345 | $6,636+25.8% | $7,845+6.4% | $4,126+102.2% |
| Admin fee / account holder | $569 | $14,832-96.2% | $11,815-95.2% | $7,339-92.2% |