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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 | $46,333 | $86,949-46.7% | $102,460-54.8% | $80,959-42.8% |
| Participation rate | 97.3% | 72.4%+24.9pp | 76.5%+20.8pp | 67.7%+29.6pp |
| Annual return | 25.58% | 18.89%+6.7pp | 29.47%-3.9pp | 35.67%-10.1pp |
| Employer contribution / active EE | $2,809 | $2,370+18.5% | $3,025-7.1% | $2,757+1.9% |
| Participant deferral / active EE | $10,527 | $4,121+155.4% | $5,056+108.2% | $4,300+144.8% |
| Admin fee / account holder | $632 | $8,048-92.1% | $9,460-93.3% | $6,925-90.9% |