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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 | $37,252 | $106,524-65.0% | $152,301-75.5% | $87,485-57.4% |
| Participation rate | 93.8% | 75.8%+18.0pp | 82.4%+11.3pp | 68.9%+24.8pp |
| Annual return | 32.09% | 26.89%+5.2pp | 80.50%-48.4pp | 26.06%+6.0pp |
| Employer contribution / active EE | $3,470 | $3,371+2.9% | $4,624-25.0% | $2,596+33.6% |
| Participant deferral / active EE | $5,441 | $6,525-16.6% | $8,004-32.0% | $4,274+27.3% |
| Admin fee / account holder | $652 | $8,287-92.1% | $14,398-95.5% | $7,775-91.6% |