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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 | $38,186 | $45,082-15.3% | $69,464-45.0% | $72,975-47.7% |
| Participation rate | 76.5% | 68.5%+8.0pp | 74.6%+1.9pp | 69.5%+7.0pp |
| Annual return | 29.26% | 22.66%+6.6pp | 28.98%+0.3pp | 81.01%-51.8pp |
| Employer contribution / active EE | $2,962 | $2,055+44.1% | $2,779+6.6% | $2,440+21.4% |
| Participant deferral / active EE | $6,155 | $2,604+136.4% | $3,536+74.1% | $3,608+70.6% |
| Admin fee / account holder | $2,309 | $3,057-24.5% | $3,840-39.9% | $5,124-54.9% |