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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 | $39,641 | $91,474-56.7% | $135,982-70.8% | $71,529-44.6% |
| Participation rate | 96.2% | 75.7%+20.6pp | 81.9%+14.3pp | 67.9%+28.3pp |
| Annual return | 42.39% | 29.89%+12.5pp | 68.32%-25.9pp | 28.97%+13.4pp |
| Employer contribution / active EE | $2,125 | $3,705-42.7% | $4,859-56.3% | $2,590-18.0% |
| Participant deferral / active EE | $7,104 | $7,095+0.1% | $7,760-8.5% | $4,291+65.5% |
| Admin fee / account holder | $1,437 | $1,267+13.4% | $10,767-86.7% | $1,588-9.5% |