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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 | $41,236 | $81,504-49.4% | $102,437-59.7% | $80,959-49.1% |
| Participation rate | 95.1% | 66.9%+28.2pp | 74.5%+20.6pp | 67.7%+27.4pp |
| Annual return | 17.82% | 25.60%-7.8pp | 24.95%-7.1pp | 35.67%-17.9pp |
| Employer contribution / active EE | $4,602 | $3,104+48.3% | $3,871+18.9% | $2,757+66.9% |
| Participant deferral / active EE | $9,042 | $3,871+133.6% | $5,060+78.7% | $4,300+110.3% |
| Admin fee / account holder | $15,338 | $6,719+128.3% | $8,388+82.9% | $6,925+121.5% |