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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 | $29,547 | $56,287-47.5% | $80,977-63.5% | $62,881-53.0% |
| Participation rate | 83.9% | 68.9%+14.9pp | 75.8%+8.1pp | 69.3%+14.6pp |
| Annual return | 16.82% | 22.13%-5.3pp | 17.11%-0.3pp | 20.14%-3.3pp |
| Employer contribution / active EE | $2,785 | $1,943+43.3% | $3,715-25.0% | $2,281+22.1% |
| Participant deferral / active EE | $6,251 | $4,196+49.0% | $5,696+9.7% | $3,203+95.1% |
| Admin fee / account holder | $459 | $3,742-87.7% | $5,517-91.7% | $4,296-89.3% |