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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 | $106,749-65.1% | $145,433-74.4% | $82,448-54.8% |
| Participation rate | 93.8% | 75.6%+18.1pp | 82.1%+11.6pp | 68.1%+25.7pp |
| Annual return | 32.09% | 27.59%+4.5pp | 66.58%-34.5pp | 41.64%-9.5pp |
| Employer contribution / active EE | $3,470 | $3,444+0.7% | $4,554-23.8% | $2,551+36.0% |
| Participant deferral / active EE | $5,441 | $6,519-16.5% | $7,897-31.1% | $4,139+31.5% |
| Admin fee / account holder | $652 | $8,390-92.2% | $13,129-95.0% | $7,234-91.0% |