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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 | $16,873 | $52,682-68.0% | $78,004-78.4% | $64,097-73.7% |
| Participation rate | 95.2% | 47.7%+47.5pp | 69.4%+25.7pp | 55.2%+40.0pp |
| Annual return | 28.04% | 22.45%+5.6pp | 31.07%-3.0pp | 34.64%-6.6pp |
| Employer contribution / active EE | $1,771 | $1,323+33.9% | $2,469-28.3% | $1,891-6.4% |
| Participant deferral / active EE | $3,567 | $2,346+52.1% | $4,092-12.8% | $3,080+15.8% |
| Admin fee / account holder | $478 | $5,420-91.2% | $7,578-93.7% | $3,454-86.2% |