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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 | $31,198 | $87,106-64.2% | $105,607-70.5% | $80,935-61.5% |
| Participation rate | 91.1% | 70.4%+20.7pp | 75.3%+15.8pp | 67.7%+23.4pp |
| Annual return | 18.34% | 17.01%+1.3pp | 116.11%-97.8pp | 35.66%-17.3pp |
| Employer contribution / active EE | $2,778 | $2,396+15.9% | $3,167-12.3% | $2,757+0.8% |
| Participant deferral / active EE | $5,225 | $3,986+31.1% | $5,011+4.3% | $4,299+21.5% |
| Admin fee / account holder | $5,516 | $8,447-34.7% | $10,958-49.7% | $6,924-20.3% |