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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 | $32,351 | $60,349-46.4% | $74,184-56.4% | $62,881-48.6% |
| Participation rate | 89.2% | 72.7%+16.4pp | 76.6%+12.5pp | 69.3%+19.9pp |
| Annual return | 10.89% | 21.38%-10.5pp | 17.74%-6.8pp | 20.14%-9.3pp |
| Employer contribution / active EE | $4,077 | $1,680+142.7% | $2,370+72.0% | $2,281+78.8% |
| Participant deferral / active EE | $3,801 | $2,856+33.1% | $3,550+7.1% | $3,203+18.7% |
| Admin fee / account holder | $518 | $4,261-87.8% | $5,586-90.7% | $4,296-87.9% |