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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 | $35,584 | $83,898-57.6% | $133,346-73.3% | $94,015-62.2% |
| Participation rate | 98.0% | 63.4%+34.6pp | 72.8%+25.2pp | 70.8%+27.2pp |
| Annual return | 12.12% | 16.00%-3.9pp | 36.85%-24.7pp | 17.84%-5.7pp |
| Employer contribution / active EE | $3,290 | $1,821+80.7% | $2,853+15.3% | $2,790+17.9% |
| Participant deferral / active EE | $2,924 | $3,245-9.9% | $4,332-32.5% | $4,249-31.2% |
| Admin fee / account holder | $17,200 | $7,809+120.3% | $14,264+20.6% | $8,951+92.2% |