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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 | $46,973 | $86,940-46.0% | $102,434-54.1% | $80,935-42.0% |
| Participation rate | 97.8% | 72.4%+25.4pp | 76.5%+21.3pp | 67.7%+30.1pp |
| Annual return | 12.65% | 18.89%-6.2pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $2,401 | $2,370+1.3% | $3,023-20.6% | $2,757-12.9% |
| Participant deferral / active EE | $5,414 | $4,121+31.4% | $5,055+7.1% | $4,299+25.9% |
| Admin fee / account holder | $6,637 | $8,047-17.5% | $9,462-29.9% | $6,924-4.2% |