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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 | $53,897 | $57,828-6.8% | $117,039-53.9% | $70,126-23.1% |
| Participation rate | 98.3% | 67.1%+31.2pp | 77.2%+21.1pp | 69.5%+28.8pp |
| Annual return | 17.03% | 17.55%-0.5pp | 18.95%-1.9pp | 73.15%-56.1pp |
| Employer contribution / active EE | $4,018 | $1,816+121.3% | $3,785+6.2% | $2,343+71.5% |
| Participant deferral / active EE | $3,709 | $2,438+52.2% | $3,929-5.6% | $3,332+11.3% |
| Admin fee / account holder | $3,366 | $3,548-5.1% | $5,974-43.7% | $4,645-27.5% |