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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 | $36,321 | $72,027-49.6% | $185,861-80.5% | $79,856-54.5% |
| Participation rate | 97.9% | 65.8%+32.1pp | 78.0%+19.9pp | 69.6%+28.3pp |
| Annual return | 18.01% | 23.13%-5.1pp | 35.96%-18.0pp | 31.71%-13.7pp |
| Employer contribution / active EE | $2,128 | $1,965+8.3% | $4,088-48.0% | $2,471-13.9% |
| Participant deferral / active EE | $4,087 | $3,780+8.1% | $5,634-27.5% | $3,741+9.3% |
| Admin fee / account holder | $395 | $4,513-91.3% | $9,503-95.8% | $5,306-92.6% |