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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 | $40,336 | $77,816-48.2% | $123,552-67.4% | $64,173-37.1% |
| Participation rate | 97.1% | 74.7%+22.4pp | 82.3%+14.8pp | 69.6%+27.6pp |
| Annual return | 25.59% | 12.49%+13.1pp | 119.20%-93.6pp | 7.63%+18.0pp |
| Employer contribution / active EE | $2,099 | $3,014-30.3% | $4,628-54.6% | $2,381-11.8% |
| Participant deferral / active EE | $5,903 | $5,240+12.7% | $6,426-8.1% | $3,470+70.1% |
| Admin fee / account holder | $1,512 | $5,519-72.6% | $9,285-83.7% | $4,887-69.1% |