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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 | $38,955 | $95,453-59.2% | $112,040-65.2% | $82,448-52.8% |
| Participation rate | 90.9% | 72.8%+18.2pp | 76.5%+14.4pp | 68.1%+22.8pp |
| Annual return | 26.96% | 23.92%+3.0pp | 24.52%+2.4pp | 41.64%-14.7pp |
| Employer contribution / active EE | $2,094 | $2,318-9.6% | $2,954-29.1% | $2,551-17.9% |
| Participant deferral / active EE | $4,444 | $4,224+5.2% | $5,098-12.8% | $4,139+7.4% |
| Admin fee / account holder | $1,135 | $9,013-87.4% | $12,098-90.6% | $7,234-84.3% |