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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 | $41,786 | $76,551-45.4% | $123,894-66.3% | $62,881-33.5% |
| Participation rate | 98.2% | 73.0%+25.3pp | 81.4%+16.8pp | 69.3%+28.9pp |
| Annual return | 7.02% | 18.68%-11.7pp | 47.52%-40.5pp | 20.14%-13.1pp |
| Employer contribution / active EE | $2,605 | $2,882-9.6% | $4,617-43.6% | $2,281+14.2% |
| Participant deferral / active EE | $5,732 | $4,840+18.4% | $5,984-4.2% | $3,203+79.0% |
| Admin fee / account holder | $2,837 | $4,826-41.2% | $8,357-66.1% | $4,296-34.0% |