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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 | $49,697 | $95,404-47.9% | $113,397-56.2% | $82,637-39.9% |
| Participation rate | 97.6% | 72.8%+24.8pp | 76.5%+21.1pp | 68.1%+29.5pp |
| Annual return | 21.93% | 19.08%+2.9pp | 23.20%-1.3pp | 53.51%-31.6pp |
| Employer contribution / active EE | $2,461 | $2,307+6.7% | $2,977-17.3% | $2,552-3.6% |
| Participant deferral / active EE | $3,311 | $4,220-21.5% | $5,076-34.8% | $4,126-19.8% |
| Admin fee / account holder | $3,635 | $9,168-60.4% | $11,957-69.6% | $7,339-50.5% |