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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 | $32,355 | $58,057-44.3% | $97,032-66.7% | $86,983-62.8% |
| Participation rate | 95.2% | 60.4%+34.9pp | 71.6%+23.7pp | 69.5%+25.7pp |
| Annual return | 17.39% | 22.26%-4.9pp | 35.38%-18.0pp | 25.83%-8.4pp |
| Employer contribution / active EE | $4,792 | $1,663+188.1% | $2,629+82.3% | $2,584+85.4% |
| Participant deferral / active EE | $5,950 | $3,244+83.4% | $4,672+27.3% | $4,194+41.9% |
| Admin fee / account holder | $2,681 | $4,839-44.6% | $9,418-71.5% | $7,856-65.9% |