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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 | $30,618 | $56,894-46.2% | $84,753-63.9% | $62,881-51.3% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 8.70% | 6.30%+2.4pp | 22.78%-14.1pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,786 | $2,400-25.6% | $3,574-50.0% | $2,281-21.7% |
| Participant deferral / active EE | $3,778 | $2,709+39.5% | $3,712+1.8% | $3,203+18.0% |
| Admin fee / account holder | $613 | $3,581-82.9% | $5,333-88.5% | $4,296-85.7% |