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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 | $33,803 | $108,825-68.9% | $156,181-78.4% | $82,448-59.0% |
| Participation rate | 92.4% | 72.4%+20.0pp | 78.8%+13.6pp | 68.1%+24.3pp |
| Annual return | 29.36% | 20.59%+8.8pp | 64.87%-35.5pp | 41.64%-12.3pp |
| Employer contribution / active EE | $2,778 | $2,870-3.2% | $4,294-35.3% | $2,551+8.9% |
| Participant deferral / active EE | $5,017 | $4,577+9.6% | $6,132-18.2% | $4,139+21.2% |
| Admin fee / account holder | $2,396 | $9,341-74.3% | $14,586-83.6% | $7,234-66.9% |