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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 | $81,476-49.4% | $102,383-59.7% | $80,925-49.0% |
| Participation rate | 95.1% | 66.8%+28.2pp | 74.5%+20.6pp | 67.7%+27.4pp |
| Annual return | 17.82% | 25.59%-7.8pp | 24.94%-7.1pp | 35.65%-17.8pp |
| Employer contribution / active EE | $4,602 | $3,105+48.2% | $3,870+18.9% | $2,756+67.0% |
| Participant deferral / active EE | $9,042 | $3,871+133.6% | $5,060+78.7% | $4,299+110.4% |
| Admin fee / account holder | $15,338 | $6,717+128.3% | $8,391+82.8% | $6,940+121.0% |