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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 | $55,932-69.8% | $76,735-78.0% | $67,986-75.2% |
| Participation rate | 95.2% | 50.8%+44.4pp | 69.5%+25.7pp | 57.2%+38.0pp |
| Annual return | 28.04% | 23.10%+4.9pp | 29.77%-1.7pp | 31.67%-3.6pp |
| Employer contribution / active EE | $1,771 | $1,487+19.1% | $2,454-27.8% | $2,019-12.3% |
| Participant deferral / active EE | $3,567 | $2,558+39.4% | $4,088-12.7% | $3,358+6.2% |
| Admin fee / account holder | $478 | $4,907-90.3% | $7,189-93.4% | $3,203-85.1% |