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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 | $29,828 | $65,246-54.3% | $98,716-69.8% | $67,986-56.1% |
| Participation rate | 95.4% | 51.4%+44.0pp | 69.3%+26.1pp | 57.2%+38.2pp |
| Annual return | 20.42% | 20.58%-0.2pp | 31.81%-11.4pp | 31.67%-11.2pp |
| Employer contribution / active EE | $3,115 | $1,042+198.9% | $2,279+36.7% | $2,019+54.3% |
| Participant deferral / active EE | $5,056 | $2,594+94.9% | $4,048+24.9% | $3,358+50.6% |
| Admin fee / account holder | $2,560 | $4,561-43.9% | $8,703-70.6% | $3,203-20.1% |