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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 | $30,728 | $57,119-46.2% | $85,187-63.9% | $80,935-62.0% |
| Participation rate | 97.1% | 56.4%+40.7pp | 67.5%+29.6pp | 67.7%+29.5pp |
| Annual return | 22.83% | 21.70%+1.1pp | 66.67%-43.8pp | 35.66%-12.8pp |
| Employer contribution / active EE | $1,976 | $1,802+9.7% | $2,732-27.7% | $2,757-28.3% |
| Participant deferral / active EE | $4,915 | $3,115+57.8% | $4,525+8.6% | $4,299+14.3% |
| Admin fee / account holder | $668 | $4,990-86.6% | $6,162-89.2% | $6,924-90.4% |