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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 | $29,950 | $48,078-37.7% | $78,676-61.9% | $62,881-52.4% |
| Participation rate | 92.9% | 65.2%+27.7pp | 73.6%+19.3pp | 69.3%+23.6pp |
| Annual return | 14.24% | 31.36%-17.1pp | 62.19%-47.9pp | 20.14%-5.9pp |
| Employer contribution / active EE | $4,077 | $2,015+102.4% | $2,850+43.1% | $2,281+78.8% |
| Participant deferral / active EE | $3,556 | $2,587+37.4% | $3,517+1.1% | $3,203+11.0% |
| Admin fee / account holder | $998 | $3,206-68.9% | $4,510-77.9% | $4,296-76.8% |