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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 | $33,329 | $95,453-65.1% | $112,040-70.3% | $82,448-59.6% |
| Participation rate | 98.1% | 72.8%+25.4pp | 76.5%+21.6pp | 68.1%+30.0pp |
| Annual return | 28.45% | 23.92%+4.5pp | 24.52%+3.9pp | 41.64%-13.2pp |
| Employer contribution / active EE | $3,355 | $2,318+44.7% | $2,954+13.6% | $2,551+31.5% |
| Participant deferral / active EE | $2,030 | $4,224-52.0% | $5,098-60.2% | $4,139-51.0% |
| Admin fee / account holder | $734 | $9,013-91.9% | $12,098-93.9% | $7,234-89.8% |