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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 | $63,456-53.0% | $100,712-70.4% | $64,097-53.5% |
| Participation rate | 95.4% | 49.7%+45.7pp | 69.3%+26.1pp | 55.2%+40.2pp |
| Annual return | 20.42% | 19.65%+0.8pp | 33.27%-12.8pp | 34.64%-14.2pp |
| Employer contribution / active EE | $3,115 | $1,003+210.7% | $2,313+34.7% | $1,891+64.7% |
| Participant deferral / active EE | $5,056 | $2,463+105.3% | $4,085+23.8% | $3,080+64.2% |
| Admin fee / account holder | $2,560 | $4,808-46.8% | $9,256-72.3% | $3,454-25.9% |