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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 | $30,378 | $106,749-71.5% | $145,433-79.1% | $82,448-63.2% |
| Participation rate | 93.5% | 75.6%+17.9pp | 82.1%+11.4pp | 68.1%+25.5pp |
| Annual return | 44.97% | 27.59%+17.4pp | 66.58%-21.6pp | 41.64%+3.3pp |
| Employer contribution / active EE | $2,784 | $3,444-19.2% | $4,554-38.9% | $2,551+9.1% |
| Participant deferral / active EE | $5,809 | $6,519-10.9% | $7,897-26.4% | $4,139+40.3% |
| Admin fee / account holder | $565 | $8,390-93.3% | $13,129-95.7% | $7,234-92.2% |