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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 | $34,237 | $56,894-39.8% | $84,753-59.6% | $62,881-45.6% |
| Participation rate | 91.2% | 68.5%+22.6pp | 76.6%+14.6pp | 69.3%+21.9pp |
| Annual return | 9.71% | 6.30%+3.4pp | 22.78%-13.1pp | 20.14%-10.4pp |
| Employer contribution / active EE | $1,816 | $2,400-24.3% | $3,574-49.2% | $2,281-20.4% |
| Participant deferral / active EE | $5,149 | $2,709+90.1% | $3,712+38.7% | $3,203+60.8% |
| Admin fee / account holder | $3,565 | $3,581-0.4% | $5,333-33.2% | $4,296-17.0% |