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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 | $30,241 | $89,515-66.2% | $103,486-70.8% | $80,935-62.6% |
| Participation rate | 95.9% | 76.0%+19.9pp | 80.5%+15.3pp | 67.7%+28.2pp |
| Annual return | 15.93% | 22.82%-6.9pp | 23.93%-8.0pp | 35.66%-19.7pp |
| Employer contribution / active EE | $1,501 | $4,015-62.6% | $4,679-67.9% | $2,757-45.5% |
| Participant deferral / active EE | $5,597 | $5,463+2.5% | $6,628-15.6% | $4,299+30.2% |
| Admin fee / account holder | $1,410 | $6,527-78.4% | $9,354-84.9% | $6,924-79.6% |