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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 | $43,514 | $83,485-47.9% | $125,195-65.2% | $72,976-40.4% |
| Participation rate | 94.8% | 73.3%+21.5pp | 79.8%+15.0pp | 69.5%+25.3pp |
| Annual return | 23.78% | 25.77%-2.0pp | 43.79%-20.0pp | 81.02%-57.2pp |
| Employer contribution / active EE | $5,299 | $2,346+125.9% | $3,866+37.1% | $2,440+117.2% |
| Participant deferral / active EE | $12,205 | $3,586+240.3% | $4,937+147.2% | $3,608+238.3% |
| Admin fee / account holder | $7,065 | $5,518+28.0% | $9,704-27.2% | $5,124+37.9% |