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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 | $26,572 | $67,894-60.9% | $89,340-70.3% | $82,448-67.8% |
| Participation rate | 97.6% | 64.0%+33.5pp | 69.6%+28.0pp | 68.1%+29.5pp |
| Annual return | 24.31% | 19.21%+5.1pp | 20.57%+3.7pp | 41.64%-17.3pp |
| Employer contribution / active EE | $4,089 | $1,828+123.7% | $2,231+83.3% | $2,551+60.3% |
| Participant deferral / active EE | $6,449 | $3,072+109.9% | $3,823+68.7% | $4,139+55.8% |
| Admin fee / account holder | $1,313 | $5,723-77.1% | $6,704-80.4% | $7,234-81.9% |