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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 | $124,980-84.6% | $108,359-82.2% | $154,746-87.5% |
| Participation rate | 87.5% | 75.2%+12.3pp | 70.1%+17.4pp | 80.7%+6.8pp |
| Annual return | 22.26% | 45.00%-22.7pp | 36.89%-14.6pp | 172.34%-150.1pp |
| Employer contribution / active EE | $3,036 | $2,851+6.5% | $2,399+26.5% | $4,379-30.7% |
| Participant deferral / active EE | $6,396 | $4,743+34.8% | $4,137+54.6% | $6,730-5.0% |
| Admin fee / account holder | $707 | $11,502-93.9% | $9,741-92.7% | $14,365-95.1% |