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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 | $37,585 | $88,042-57.3% | $138,135-72.8% | $79,858-52.9% |
| Participation rate | 89.3% | 71.4%+17.9pp | 78.7%+10.6pp | 69.6%+19.7pp |
| Annual return | 27.30% | 20.58%+6.7pp | 20.51%+6.8pp | 31.72%-4.4pp |
| Employer contribution / active EE | $899 | $3,103-71.0% | $5,587-83.9% | $2,471-63.6% |
| Participant deferral / active EE | $4,540 | $4,704-3.5% | $6,431-29.4% | $3,740+21.4% |
| Admin fee / account holder | $2,275 | $7,791-70.8% | $11,856-80.8% | $5,306-57.1% |