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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 | $31,207 | $80,983-61.5% | $96,544-67.7% | $75,177-58.5% |
| Participation rate | 90.6% | 71.8%+18.8pp | 76.0%+14.6pp | 67.2%+23.4pp |
| Annual return | 31.83% | 27.05%+4.8pp | 25.88%+5.9pp | 160.75%-128.9pp |
| Employer contribution / active EE | $3,063 | $2,282+34.2% | $2,966+3.2% | $2,671+14.7% |
| Participant deferral / active EE | $9,626 | $3,929+145.0% | $4,851+98.4% | $4,126+133.3% |
| Admin fee / account holder | $3,030 | $6,717-54.9% | $8,254-63.3% | $5,651-46.4% |