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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 | $58,182 | $69,273-16.0% | $90,796-35.9% | $82,637-29.6% |
| Participation rate | 92.3% | 64.0%+28.3pp | 69.5%+22.8pp | 68.1%+24.3pp |
| Annual return | 20.48% | 18.37%+2.1pp | 19.29%+1.2pp | 53.51%-33.0pp |
| Employer contribution / active EE | $3,570 | $1,865+91.4% | $2,294+55.7% | $2,552+39.9% |
| Participant deferral / active EE | $6,503 | $3,047+113.4% | $3,822+70.2% | $4,126+57.6% |
| Admin fee / account holder | $583 | $5,511-89.4% | $7,024-91.7% | $7,339-92.1% |