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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 | $40,397 | $41,377-2.4% | $109,313-63.0% | $62,881-35.8% |
| Participation rate | 96.0% | 57.5%+38.5pp | 71.3%+24.7pp | 69.3%+26.7pp |
| Annual return | 8.18% | 11.05%-2.9pp | 22.07%-13.9pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,637 | $1,276+28.3% | $3,892-57.9% | $2,281-28.2% |
| Participant deferral / active EE | $3,213 | $2,045+57.1% | $3,166+1.5% | $3,203+0.3% |
| Admin fee / account holder | $3,278 | $2,884+13.7% | $5,666-42.1% | $4,296-23.7% |