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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 | $32,635 | $69,590-53.1% | $136,867-76.2% | $94,015-65.3% |
| Participation rate | 94.7% | 66.3%+28.4pp | 74.5%+20.2pp | 70.8%+23.9pp |
| Annual return | 17.83% | 19.62%-1.8pp | 42.97%-25.1pp | 17.84%0pp |
| Employer contribution / active EE | $1,975 | $2,396-17.6% | $3,547-44.3% | $2,790-29.2% |
| Participant deferral / active EE | $4,303 | $3,437+25.2% | $4,924-12.6% | $4,249+1.3% |
| Admin fee / account holder | $1,058 | $8,912-88.1% | $10,340-89.8% | $8,951-88.2% |