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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 | $31,423 | $56,894-44.8% | $84,753-62.9% | $62,881-50.0% |
| Participation rate | 91.3% | 68.5%+22.8pp | 76.6%+14.7pp | 69.3%+22.0pp |
| Annual return | 5.70% | 6.30%-0.6pp | 22.78%-17.1pp | 20.14%-14.4pp |
| Employer contribution / active EE | $5,577 | $2,400+132.4% | $3,574+56.0% | $2,281+144.5% |
| Participant deferral / active EE | $1,443 | $2,709-46.7% | $3,712-61.1% | $3,203-54.9% |
| Admin fee / account holder | $1,432 | $3,581-60.0% | $5,333-73.2% | $4,296-66.7% |