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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 | $35,598 | $95,404-62.7% | $113,397-68.6% | $82,637-56.9% |
| Participation rate | 95.6% | 72.8%+22.7pp | 76.5%+19.1pp | 68.1%+27.5pp |
| Annual return | 13.77% | 19.08%-5.3pp | 23.20%-9.4pp | 53.51%-39.7pp |
| Employer contribution / active EE | $2,400 | $2,307+4.1% | $2,977-19.4% | $2,552-5.9% |
| Participant deferral / active EE | $5,156 | $4,220+22.2% | $5,076+1.6% | $4,126+25.0% |
| Admin fee / account holder | $1,613 | $9,168-82.4% | $11,957-86.5% | $7,339-78.0% |