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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 | $46,132 | $51,222-9.9% | $70,544-34.6% | $75,173-38.6% |
| Participation rate | 97.3% | 61.0%+36.3pp | 68.4%+28.9pp | 67.2%+30.1pp |
| Annual return | 19.33% | 30.06%-10.7pp | 32.79%-13.5pp | 160.72%-141.4pp |
| Employer contribution / active EE | $8,606 | $1,827+371.1% | $2,976+189.2% | $2,671+222.2% |
| Participant deferral / active EE | $5,784 | $2,850+102.9% | $4,568+26.6% | $4,126+40.2% |
| Admin fee / account holder | $1,250 | $4,096-69.5% | $6,427-80.6% | $5,651-77.9% |