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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 | $36,062 | $57,119-36.9% | $85,187-57.7% | $80,935-55.4% |
| Participation rate | 97.4% | 56.4%+41.0pp | 67.5%+29.8pp | 67.7%+29.7pp |
| Annual return | 15.54% | 21.70%-6.2pp | 66.67%-51.1pp | 35.66%-20.1pp |
| Employer contribution / active EE | $2,884 | $1,802+60.1% | $2,732+5.5% | $2,757+4.6% |
| Participant deferral / active EE | $8,725 | $3,115+180.1% | $4,525+92.8% | $4,299+102.9% |
| Admin fee / account holder | $1,872 | $4,990-62.5% | $6,162-69.6% | $6,924-73.0% |