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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 | $28,440 | $73,787-61.5% | $98,716-71.2% | $82,448-65.5% |
| Participation rate | 94.5% | 61.4%+33.1pp | 69.3%+25.3pp | 68.1%+26.5pp |
| Annual return | 21.69% | 18.57%+3.1pp | 31.81%-10.1pp | 41.64%-19.9pp |
| Employer contribution / active EE | $3,704 | $1,511+145.1% | $2,279+62.6% | $2,551+45.2% |
| Participant deferral / active EE | $9,310 | $3,081+202.2% | $4,048+130.0% | $4,139+124.9% |
| Admin fee / account holder | $1,443 | $6,500-77.8% | $8,703-83.4% | $7,234-80.1% |