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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 | $40,844 | $86,949-53.0% | $102,460-60.1% | $80,959-49.6% |
| Participation rate | 79.3% | 72.4%+6.9pp | 76.5%+2.8pp | 67.7%+11.6pp |
| Annual return | 14.54% | 18.89%-4.4pp | 29.47%-14.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $2,581 | $2,370+8.9% | $3,025-14.7% | $2,757-6.4% |
| Participant deferral / active EE | $4,292 | $4,121+4.1% | $5,056-15.1% | $4,300-0.2% |
| Admin fee / account holder | $563 | $8,048-93.0% | $9,460-94.0% | $6,925-91.9% |