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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 | $31,450 | $60,349-47.9% | $74,184-57.6% | $62,881-50.0% |
| Participation rate | 97.1% | 72.7%+24.4pp | 76.6%+20.5pp | 69.3%+27.8pp |
| Annual return | 5.55% | 21.38%-15.8pp | 17.74%-12.2pp | 20.14%-14.6pp |
| Employer contribution / active EE | $4,402 | $1,680+162.0% | $2,370+85.7% | $2,281+93.0% |
| Participant deferral / active EE | $2,856 | $2,8560% | $3,550-19.5% | $3,203-10.8% |
| Admin fee / account holder | $712 | $4,261-83.3% | $5,586-87.3% | $4,296-83.4% |