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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 | $29,910 | $67,602-55.8% | $82,312-63.7% | $70,126-57.3% |
| Participation rate | 94.3% | 72.8%+21.5pp | 76.9%+17.4pp | 69.5%+24.7pp |
| Annual return | 48.94% | 21.57%+27.4pp | 25.88%+23.1pp | 73.15%-24.2pp |
| Employer contribution / active EE | $1,964 | $1,755+11.9% | $2,428-19.1% | $2,343-16.2% |
| Participant deferral / active EE | $3,839 | $2,987+28.5% | $3,706+3.6% | $3,332+15.2% |
| Admin fee / account holder | $2,610 | $4,512-42.2% | $5,608-53.5% | $4,645-43.8% |