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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 | $54,905 | $72,486-24.3% | $87,103-37.0% | $72,976-24.8% |
| Participation rate | 97.2% | 72.8%+24.4pp | 76.9%+20.3pp | 69.5%+27.7pp |
| Annual return | 28.57% | 24.46%+4.1pp | 28.19%+0.4pp | 81.02%-52.4pp |
| Employer contribution / active EE | $1,293 | $1,894-31.7% | $2,521-48.7% | $2,440-47.0% |
| Participant deferral / active EE | $7,291 | $3,270+123.0% | $4,049+80.1% | $3,608+102.1% |
| Admin fee / account holder | $726 | $5,055-85.6% | $7,491-90.3% | $5,124-85.8% |