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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 | $26,191 | $56,894-54.0% | $84,753-69.1% | $62,881-58.3% |
| Participation rate | 81.5% | 68.5%+12.9pp | 76.6%+4.9pp | 69.3%+12.2pp |
| Annual return | 9.29% | 6.30%+3.0pp | 22.78%-13.5pp | 20.14%-10.8pp |
| Employer contribution / active EE | $2,093 | $2,400-12.8% | $3,574-41.4% | $2,281-8.2% |
| Participant deferral / active EE | $5,064 | $2,709+86.9% | $3,712+36.4% | $3,203+58.1% |
| Admin fee / account holder | $458 | $3,581-87.2% | $5,333-91.4% | $4,296-89.3% |