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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 | $37,019 | $93,598-60.4% | $135,974-72.8% | $75,173-50.8% |
| Participation rate | 96.6% | 75.2%+21.4pp | 81.9%+14.6pp | 67.2%+29.3pp |
| Annual return | 36.02% | 30.89%+5.1pp | 68.30%-32.3pp | 160.72%-124.7pp |
| Employer contribution / active EE | $2,784 | $3,538-21.3% | $4,859-42.7% | $2,671+4.2% |
| Participant deferral / active EE | $6,935 | $6,405+8.3% | $7,760-10.6% | $4,126+68.1% |
| Admin fee / account holder | $621 | $6,978-91.1% | $10,767-94.2% | $5,651-89.0% |