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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 | $35,204 | $72,269-51.3% | $101,271-65.2% | $79,852-55.9% |
| Participation rate | 84.7% | 68.5%+16.3pp | 75.8%+8.9pp | 69.6%+15.1pp |
| Annual return | 23.25% | 22.29%+1.0pp | 46.48%-23.2pp | 31.72%-8.5pp |
| Employer contribution / active EE | $3,585 | $2,692+33.2% | $3,660-2.0% | $2,471+45.1% |
| Participant deferral / active EE | $6,617 | $3,282+101.6% | $4,371+51.4% | $3,740+76.9% |
| Admin fee / account holder | $2,753 | $4,401-37.5% | $5,948-53.7% | $5,306-48.1% |