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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 | $39,663 | $86,938-54.4% | $102,423-61.3% | $80,925-51.0% |
| Participation rate | 87.8% | 72.4%+15.4pp | 76.5%+11.3pp | 67.7%+20.1pp |
| Annual return | 14.94% | 18.89%-4.0pp | 29.42%-14.5pp | 35.65%-20.7pp |
| Employer contribution / active EE | $1,935 | $2,369-18.3% | $3,023-36.0% | $2,756-29.8% |
| Participant deferral / active EE | $7,368 | $4,120+78.8% | $5,054+45.8% | $4,299+71.4% |
| Admin fee / account holder | $9,494 | $8,053+17.9% | $9,455+0.4% | $6,940+36.8% |