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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 | $41,545 | $56,287-26.2% | $80,977-48.7% | $62,881-33.9% |
| Participation rate | 85.2% | 68.9%+16.3pp | 75.8%+9.4pp | 69.3%+15.9pp |
| Annual return | 29.66% | 22.13%+7.5pp | 17.11%+12.6pp | 20.14%+9.5pp |
| Employer contribution / active EE | $3,145 | $1,943+61.9% | $3,715-15.3% | $2,281+37.9% |
| Participant deferral / active EE | $5,665 | $4,196+35.0% | $5,696-0.5% | $3,203+76.9% |
| Admin fee / account holder | $3,565 | $3,742-4.7% | $5,517-35.4% | $4,296-17.0% |