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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 | $45,364 | $106,524-57.4% | $152,301-70.2% | $87,485-48.1% |
| Participation rate | 93.3% | 75.8%+17.6pp | 82.4%+10.9pp | 68.9%+24.4pp |
| Annual return | 24.15% | 26.89%-2.7pp | 80.50%-56.3pp | 26.06%-1.9pp |
| Employer contribution / active EE | $1,690 | $3,371-49.9% | $4,624-63.5% | $2,596-34.9% |
| Participant deferral / active EE | $4,939 | $6,525-24.3% | $8,004-38.3% | $4,274+15.6% |
| Admin fee / account holder | $2,406 | $8,287-71.0% | $14,398-83.3% | $7,775-69.1% |