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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 | $19,268 | $112,729-82.9% | $98,716-80.5% | $137,256-86.0% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 22.26% | 38.48%-16.2pp | 31.81%-9.6pp | 220.34%-198.1pp |
| Employer contribution / active EE | $3,036 | $2,725+11.4% | $2,279+33.2% | $4,156-27.0% |
| Participant deferral / active EE | $6,396 | $4,640+37.8% | $4,048+58.0% | $6,407-0.2% |
| Admin fee / account holder | $707 | $10,129-93.0% | $8,703-91.9% | $12,270-94.2% |