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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 | $35,615 | $56,894-37.4% | $84,753-58.0% | $62,881-43.4% |
| Participation rate | 87.5% | 68.5%+19.0pp | 76.6%+10.9pp | 69.3%+18.2pp |
| Annual return | 11.52% | 6.30%+5.2pp | 22.78%-11.3pp | 20.14%-8.6pp |
| Employer contribution / active EE | $2,842 | $2,400+18.4% | $3,574-20.5% | $2,281+24.6% |
| Participant deferral / active EE | $5,041 | $2,709+86.1% | $3,712+35.8% | $3,203+57.4% |
| Admin fee / account holder | $2,380 | $3,581-33.5% | $5,333-55.4% | $4,296-44.6% |