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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 | $33,958 | $81,358-58.3% | $155,556-78.2% | $80,959-58.1% |
| Participation rate | 96.0% | 66.3%+29.7pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 12.30% | 33.39%-21.1pp | 64.84%-52.5pp | 35.67%-23.4pp |
| Employer contribution / active EE | $3,175 | $3,106+2.2% | $4,675-32.1% | $2,757+15.2% |
| Participant deferral / active EE | $5,414 | $3,455+56.7% | $5,631-3.8% | $4,300+25.9% |
| Admin fee / account holder | $799 | $7,994-90.0% | $15,885-95.0% | $6,925-88.5% |