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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 | $40,922 | $56,894-28.1% | $84,753-51.7% | $62,881-34.9% |
| Participation rate | 97.4% | 68.5%+28.9pp | 76.6%+20.8pp | 69.3%+28.1pp |
| Annual return | 6.74% | 6.30%+0.4pp | 22.78%-16.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $4,756 | $2,400+98.2% | $3,574+33.1% | $2,281+108.5% |
| Participant deferral / active EE | $1,345 | $2,709-50.4% | $3,712-63.8% | $3,203-58.0% |
| Admin fee / account holder | $1,149 | $3,581-67.9% | $5,333-78.5% | $4,296-73.2% |