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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 | $34,490 | $79,955-56.9% | $98,461-65.0% | $75,173-54.1% |
| Participation rate | 88.5% | 70.4%+18.2pp | 75.2%+13.4pp | 67.2%+21.3pp |
| Annual return | 19.61% | 19.75%-0.1pp | 21.17%-1.6pp | 160.72%-141.1pp |
| Employer contribution / active EE | $2,731 | $2,264+20.6% | $3,049-10.4% | $2,671+2.3% |
| Participant deferral / active EE | $3,919 | $3,752+4.4% | $4,738-17.3% | $4,126-5.0% |
| Admin fee / account holder | $4,109 | $6,841-39.9% | $8,961-54.1% | $5,651-27.3% |