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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 | $33,207 | $103,164-67.8% | $90,259-63.2% | $154,746-78.5% |
| Participation rate | 94.1% | 76.1%+18.0pp | 70.7%+23.4pp | 80.7%+13.4pp |
| Annual return | 16.84% | 19.25%-2.4pp | 18.88%-2.0pp | 172.34%-155.5pp |
| Employer contribution / active EE | $1,364 | $2,532-46.1% | $2,291-40.5% | $4,379-68.9% |
| Participant deferral / active EE | $5,355 | $4,422+21.1% | $3,827+39.9% | $6,730-20.4% |
| Admin fee / account holder | $535 | $8,593-93.8% | $7,267-92.6% | $14,365-96.3% |