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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 | $29,150 | $103,164-71.7% | $90,259-67.7% | $154,746-81.2% |
| Participation rate | 86.7% | 76.1%+10.6pp | 70.7%+15.9pp | 80.7%+6.0pp |
| Annual return | 25.04% | 19.25%+5.8pp | 18.88%+6.2pp | 172.34%-147.3pp |
| Employer contribution / active EE | $2,808 | $2,532+10.9% | $2,291+22.5% | $4,379-35.9% |
| Participant deferral / active EE | $7,997 | $4,422+80.9% | $3,827+109.0% | $6,730+18.8% |
| Admin fee / account holder | $313 | $8,593-96.4% | $7,267-95.7% | $14,365-97.8% |