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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 | $97,550-62.9% | $120,344-69.9% | $87,485-58.6% |
| Participation rate | 96.6% | 72.8%+23.7pp | 76.7%+19.8pp | 68.9%+27.6pp |
| Annual return | 17.04% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,315 | $2,291-42.6% | $3,020-56.4% | $2,596-49.3% |
| Participant deferral / active EE | $6,498 | $4,230+53.6% | $5,135+26.5% | $4,274+52.0% |
| Admin fee / account holder | $478 | $9,543-95.0% | $12,742-96.2% | $7,775-93.8% |