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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 | $39,585 | $93,055-57.5% | $153,741-74.3% | $80,959-51.1% |
| Participation rate | 88.9% | 69.0%+19.9pp | 77.1%+11.8pp | 67.7%+21.2pp |
| Annual return | 22.51% | 19.97%+2.5pp | 15.71%+6.8pp | 35.67%-13.2pp |
| Employer contribution / active EE | $2,981 | $3,504-14.9% | $5,042-40.9% | $2,757+8.1% |
| Participant deferral / active EE | $4,702 | $5,172-9.1% | $6,757-30.4% | $4,300+9.3% |
| Admin fee / account holder | $4,626 | $8,881-47.9% | $12,749-63.7% | $6,925-33.2% |