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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 | $35,099 | $126,661-72.3% | $113,397-69.0% | $138,895-74.7% |
| Participation rate | 94.7% | 79.4%+15.3pp | 76.5%+18.2pp | 79.9%+14.8pp |
| Annual return | 10.97% | 25.05%-14.1pp | 23.20%-12.2pp | 145.39%-134.4pp |
| Employer contribution / active EE | $4,708 | $3,456+36.2% | $2,977+58.1% | $4,194+12.2% |
| Participant deferral / active EE | $5,298 | $5,693-6.9% | $5,076+4.4% | $6,396-17.2% |
| Admin fee / account holder | $397 | $14,549-97.3% | $11,957-96.7% | $12,562-96.8% |