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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 | $22,826 | $67,894-66.4% | $89,340-74.5% | $82,448-72.3% |
| Participation rate | 96.4% | 64.0%+32.4pp | 69.6%+26.9pp | 68.1%+28.4pp |
| Annual return | 21.10% | 19.21%+1.9pp | 20.57%+0.5pp | 41.64%-20.5pp |
| Employer contribution / active EE | $2,173 | $1,828+18.9% | $2,231-2.6% | $2,551-14.8% |
| Participant deferral / active EE | $5,305 | $3,072+72.7% | $3,823+38.8% | $4,139+28.2% |
| Admin fee / account holder | $2,419 | $5,723-57.7% | $6,704-63.9% | $7,234-66.6% |