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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 | $28,290 | $69,977-59.6% | $108,582-73.9% | $62,881-55.0% |
| Participation rate | 93.5% | 72.9%+20.7pp | 79.6%+14.0pp | 69.3%+24.2pp |
| Annual return | 10.92% | 10.73%+0.2pp | -51.70%+62.6pp | 20.14%-9.2pp |
| Employer contribution / active EE | $2,998 | $2,135+40.4% | $3,758-20.2% | $2,281+31.5% |
| Participant deferral / active EE | $5,786 | $3,165+82.8% | $4,311+34.2% | $3,203+80.6% |
| Admin fee / account holder | $493 | $5,076-90.3% | $7,645-93.5% | $4,296-88.5% |