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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 | $22,431 | $72,269-69.0% | $101,271-77.9% | $79,852-71.9% |
| Participation rate | 93.0% | 68.5%+24.5pp | 75.8%+17.2pp | 69.6%+23.3pp |
| Annual return | 41.92% | 22.29%+19.6pp | 46.48%-4.6pp | 31.72%+10.2pp |
| Employer contribution / active EE | $2,844 | $2,692+5.6% | $3,660-22.3% | $2,471+15.1% |
| Participant deferral / active EE | $3,507 | $3,282+6.9% | $4,371-19.8% | $3,740-6.2% |
| Admin fee / account holder | $512 | $4,401-88.4% | $5,948-91.4% | $5,306-90.3% |