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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 | $18,656 | $56,894-67.2% | $84,753-78.0% | $62,881-70.3% |
| Participation rate | 81.4% | 68.5%+12.9pp | 76.6%+4.8pp | 69.3%+12.1pp |
| Annual return | 10.75% | 6.30%+4.5pp | 22.78%-12.0pp | 20.14%-9.4pp |
| Employer contribution / active EE | $4,994 | $2,400+108.1% | $3,574+39.7% | $2,281+118.9% |
| Participant deferral / active EE | $2,133 | $2,709-21.3% | $3,712-42.5% | $3,203-33.4% |
| Admin fee / account holder | $524 | $3,581-85.4% | $5,333-90.2% | $4,296-87.8% |