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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 | $31,221 | $86,949-64.1% | $102,460-69.5% | $80,959-61.4% |
| Participation rate | 96.9% | 72.4%+24.5pp | 76.5%+20.4pp | 67.7%+29.2pp |
| Annual return | 12.11% | 18.89%-6.8pp | 29.47%-17.4pp | 35.67%-23.6pp |
| Employer contribution / active EE | $5,893 | $2,370+148.7% | $3,025+94.8% | $2,757+113.7% |
| Participant deferral / active EE | $3,940 | $4,121-4.4% | $5,056-22.1% | $4,300-8.4% |
| Admin fee / account holder | $648 | $8,048-91.9% | $9,460-93.1% | $6,925-90.6% |