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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 | $22,317 | $76,551-70.8% | $123,894-82.0% | $62,881-64.5% |
| Participation rate | 95.7% | 73.0%+22.7pp | 81.4%+14.2pp | 69.3%+26.3pp |
| Annual return | 8.15% | 18.68%-10.5pp | 47.52%-39.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $3,659 | $2,882+26.9% | $4,617-20.7% | $2,281+60.4% |
| Participant deferral / active EE | $3,233 | $4,840-33.2% | $5,984-46.0% | $3,203+0.9% |
| Admin fee / account holder | $633 | $4,826-86.9% | $8,357-92.4% | $4,296-85.3% |