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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 | $40,742 | $58,848-30.8% | $88,179-53.8% | $82,637-50.7% |
| Participation rate | 96.3% | 57.9%+38.4pp | 69.1%+27.2pp | 68.1%+28.2pp |
| Annual return | 25.04% | 22.76%+2.3pp | 64.97%-39.9pp | 53.51%-28.5pp |
| Employer contribution / active EE | $2,969 | $1,678+76.9% | $2,549+16.5% | $2,552+16.3% |
| Participant deferral / active EE | $4,787 | $3,124+53.2% | $4,614+3.7% | $4,126+16.0% |
| Admin fee / account holder | $857 | $4,795-82.1% | $7,673-88.8% | $7,339-88.3% |