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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 | $36,236 | $95,453-62.0% | $112,040-67.7% | $82,448-56.0% |
| Participation rate | 96.6% | 72.8%+23.8pp | 76.5%+20.1pp | 68.1%+28.5pp |
| Annual return | 17.04% | 23.92%-6.9pp | 24.52%-7.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,315 | $2,318-43.2% | $2,954-55.5% | $2,551-48.4% |
| Participant deferral / active EE | $6,498 | $4,224+53.8% | $5,098+27.5% | $4,139+57.0% |
| Admin fee / account holder | $478 | $9,013-94.7% | $12,098-96.0% | $7,234-93.4% |