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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 | $39,245 | $101,798-61.4% | $165,071-76.2% | $80,935-51.5% |
| Participation rate | 97.6% | 71.8%+25.7pp | 78.6%+18.9pp | 67.7%+29.9pp |
| Annual return | 13.40% | 16.73%-3.3pp | 70.17%-56.8pp | 35.66%-22.3pp |
| Employer contribution / active EE | $3,676 | $2,954+24.4% | $4,347-15.4% | $2,757+33.4% |
| Participant deferral / active EE | $7,533 | $4,476+68.3% | $6,035+24.8% | $4,299+75.2% |
| Admin fee / account holder | $3,896 | $8,221-52.6% | $12,695-69.3% | $6,924-43.7% |