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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 | $24,300 | $75,541-67.8% | $152,093-84.0% | $82,637-70.6% |
| Participation rate | 98.0% | 66.5%+31.5pp | 77.8%+20.3pp | 68.1%+30.0pp |
| Annual return | 33.74% | 32.56%+1.2pp | 66.36%-32.6pp | 53.51%-19.8pp |
| Employer contribution / active EE | $2,577 | $2,622-1.7% | $4,175-38.3% | $2,552+1.0% |
| Participant deferral / active EE | $5,716 | $3,206+78.3% | $5,451+4.9% | $4,126+38.5% |
| Admin fee / account holder | $538 | $6,405-91.6% | $14,497-96.3% | $7,339-92.7% |