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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 | $37,381 | $67,606-44.7% | $82,313-54.6% | $70,124-46.7% |
| Participation rate | 92.9% | 72.8%+20.1pp | 76.9%+16.0pp | 69.5%+23.3pp |
| Annual return | 17.71% | 21.57%-3.9pp | 25.88%-8.2pp | 73.14%-55.4pp |
| Employer contribution / active EE | $2,571 | $1,755+46.5% | $2,428+5.9% | $2,342+9.8% |
| Participant deferral / active EE | $7,113 | $2,987+138.1% | $3,706+91.9% | $3,332+113.5% |
| Admin fee / account holder | $526 | $4,512-88.3% | $5,608-90.6% | $4,645-88.7% |