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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 | $26,365 | $67,602-61.0% | $82,312-68.0% | $70,126-62.4% |
| Participation rate | 95.9% | 72.8%+23.1pp | 76.9%+19.0pp | 69.5%+26.4pp |
| Annual return | 17.60% | 21.57%-4.0pp | 25.88%-8.3pp | 73.15%-55.5pp |
| Employer contribution / active EE | $2,443 | $1,755+39.2% | $2,428+0.6% | $2,343+4.3% |
| Participant deferral / active EE | $4,779 | $2,987+60.0% | $3,706+28.9% | $3,332+43.4% |
| Admin fee / account holder | $5,235 | $4,512+16.0% | $5,608-6.7% | $4,645+12.7% |