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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 | $44,154 | $55,684-20.7% | $75,900-41.8% | $72,976-39.5% |
| Participation rate | 96.0% | 61.1%+34.9pp | 69.3%+26.7pp | 69.5%+26.5pp |
| Annual return | 25.46% | 27.60%-2.1pp | 30.73%-5.3pp | 81.02%-55.6pp |
| Employer contribution / active EE | $2,729 | $1,687+61.8% | $2,501+9.1% | $2,440+11.9% |
| Participant deferral / active EE | $3,962 | $2,634+50.4% | $3,604+10.0% | $3,608+9.8% |
| Admin fee / account holder | $5,678 | $3,981+42.6% | $5,421+4.7% | $5,124+10.8% |