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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 | $61,959 | $97,550-36.5% | $120,344-48.5% | $87,485-29.2% |
| Participation rate | 90.0% | 72.8%+17.2pp | 76.7%+13.3pp | 68.9%+21.1pp |
| Annual return | 21.55% | 18.41%+3.1pp | 20.30%+1.2pp | 26.06%-4.5pp |
| Employer contribution / active EE | $3,250 | $2,291+41.9% | $3,020+7.6% | $2,596+25.2% |
| Participant deferral / active EE | $9,513 | $4,230+124.9% | $5,135+85.3% | $4,274+122.6% |
| Admin fee / account holder | $1,885 | $9,543-80.2% | $12,742-85.2% | $7,775-75.8% |