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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 | $40,251 | $106,524-62.2% | $152,301-73.6% | $87,485-54.0% |
| Participation rate | 96.4% | 75.8%+20.7pp | 82.4%+14.0pp | 68.9%+27.5pp |
| Annual return | 18.27% | 26.89%-8.6pp | 80.50%-62.2pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,697 | $3,371-49.7% | $4,624-63.3% | $2,596-34.7% |
| Participant deferral / active EE | $3,569 | $6,525-45.3% | $8,004-55.4% | $4,274-16.5% |
| Admin fee / account holder | $1,741 | $8,287-79.0% | $14,398-87.9% | $7,775-77.6% |