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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 | $57,061-46.1% | $85,063-63.9% | $80,911-62.0% |
| Participation rate | 97.1% | 56.3%+40.8pp | 67.5%+29.6pp | 67.6%+29.5pp |
| Annual return | 22.83% | 21.66%+1.2pp | 66.54%-43.7pp | 35.63%-12.8pp |
| Employer contribution / active EE | $1,976 | $1,799+9.8% | $2,727-27.5% | $2,756-28.3% |
| Participant deferral / active EE | $4,915 | $3,110+58.0% | $4,523+8.7% | $4,297+14.4% |
| Admin fee / account holder | $668 | $4,986-86.6% | $6,155-89.1% | $6,935-90.4% |