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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 | $48,910 | $56,287-13.1% | $80,977-39.6% | $62,881-22.2% |
| Participation rate | 95.2% | 68.9%+26.2pp | 75.8%+19.4pp | 69.3%+25.9pp |
| Annual return | 20.99% | 22.13%-1.1pp | 17.11%+3.9pp | 20.14%+0.9pp |
| Employer contribution / active EE | $3,214 | $1,943+65.4% | $3,715-13.5% | $2,281+40.9% |
| Participant deferral / active EE | $5,083 | $4,196+21.2% | $5,696-10.8% | $3,203+58.7% |
| Admin fee / account holder | $384 | $3,742-89.7% | $5,517-93.0% | $4,296-91.1% |