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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 | $40,638 | $60,352-32.7% | $74,185-45.2% | $62,881-35.4% |
| Participation rate | 98.2% | 72.7%+25.5pp | 76.6%+21.6pp | 69.3%+28.9pp |
| Annual return | 10.71% | 21.37%-10.7pp | 17.74%-7.0pp | 20.14%-9.4pp |
| Employer contribution / active EE | $3,119 | $1,680+85.6% | $2,370+31.6% | $2,281+36.8% |
| Participant deferral / active EE | $2,509 | $2,856-12.1% | $3,550-29.3% | $3,203-21.7% |
| Admin fee / account holder | $909 | $4,261-78.7% | $5,586-83.7% | $4,296-78.8% |