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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 | $39,188 | $57,140-31.4% | $85,240-54.0% | $80,959-51.6% |
| Participation rate | 88.7% | 56.4%+32.3pp | 67.5%+21.2pp | 67.7%+21.1pp |
| Annual return | 28.65% | 21.71%+6.9pp | 66.75%-38.1pp | 35.67%-7.0pp |
| Employer contribution / active EE | $2,215 | $1,802+22.9% | $2,735-19.0% | $2,757-19.7% |
| Participant deferral / active EE | $5,845 | $3,115+87.6% | $4,527+29.1% | $4,300+35.9% |
| Admin fee / account holder | $3,272 | $4,992-34.5% | $6,165-46.9% | $6,925-52.8% |