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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 | $37,699 | $72,486-48.0% | $87,103-56.7% | $72,976-48.3% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.9%+20.3pp | 69.5%+27.7pp |
| Annual return | 17.15% | 24.46%-7.3pp | 28.19%-11.0pp | 81.02%-63.9pp |
| Employer contribution / active EE | $6,638 | $1,894+250.5% | $2,521+163.3% | $2,440+172.1% |
| Participant deferral / active EE | $3,038 | $3,270-7.1% | $4,049-25.0% | $3,608-15.8% |
| Admin fee / account holder | $1,814 | $5,055-64.1% | $7,491-75.8% | $5,124-64.6% |