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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 | $26,226 | $59,839-56.2% | $81,991-68.0% | $79,852-67.2% |
| Participation rate | 87.9% | 61.6%+26.3pp | 69.3%+18.6pp | 69.6%+18.2pp |
| Annual return | 27.93% | 17.56%+10.4pp | 41.31%-13.4pp | 31.72%-3.8pp |
| Employer contribution / active EE | $3,250 | $1,713+89.7% | $2,498+30.1% | $2,471+31.5% |
| Participant deferral / active EE | $6,444 | $2,695+139.1% | $3,722+73.1% | $3,740+72.3% |
| Admin fee / account holder | $627 | $4,287-85.4% | $5,665-88.9% | $5,306-88.2% |