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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 | $38,024 | $67,602-43.8% | $82,312-53.8% | $70,126-45.8% |
| Participation rate | 96.9% | 72.8%+24.1pp | 76.9%+20.0pp | 69.5%+27.3pp |
| Annual return | 14.09% | 21.57%-7.5pp | 25.88%-11.8pp | 73.15%-59.1pp |
| Employer contribution / active EE | $1,820 | $1,755+3.7% | $2,428-25.1% | $2,343-22.3% |
| Participant deferral / active EE | $3,195 | $2,987+7.0% | $3,706-13.8% | $3,332-4.1% |
| Admin fee / account holder | $1,412 | $4,512-68.7% | $5,608-74.8% | $4,645-69.6% |