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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 | $35,582 | $56,894-37.5% | $84,753-58.0% | $62,881-43.4% |
| Participation rate | 96.8% | 68.5%+28.2pp | 76.6%+20.2pp | 69.3%+27.5pp |
| Annual return | 8.40% | 6.30%+2.1pp | 22.78%-14.4pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,858 | $2,400-22.6% | $3,574-48.0% | $2,281-18.6% |
| Participant deferral / active EE | $5,505 | $2,709+103.2% | $3,712+48.3% | $3,203+71.9% |
| Admin fee / account holder | $1,727 | $3,581-51.8% | $5,333-67.6% | $4,296-59.8% |