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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 | $30,854 | $77,896-60.4% | $134,172-77.0% | $82,448-62.6% |
| Participation rate | 97.1% | 62.8%+34.3pp | 72.5%+24.6pp | 68.1%+29.0pp |
| Annual return | 23.50% | 18.21%+5.3pp | 25.30%-1.8pp | 41.64%-18.1pp |
| Employer contribution / active EE | $1,618 | $2,159-25.1% | $3,420-52.7% | $2,551-36.6% |
| Participant deferral / active EE | $4,586 | $3,162+45.0% | $4,690-2.2% | $4,139+10.8% |
| Admin fee / account holder | $2,411 | $6,336-62.0% | $12,016-79.9% | $7,234-66.7% |