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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 | $46,024 | $101,798-54.8% | $165,071-72.1% | $80,935-43.1% |
| Participation rate | 96.7% | 71.8%+24.9pp | 78.6%+18.1pp | 67.7%+29.1pp |
| Annual return | 13.65% | 16.73%-3.1pp | 70.17%-56.5pp | 35.66%-22.0pp |
| Employer contribution / active EE | $3,307 | $2,954+11.9% | $4,347-23.9% | $2,757+20.0% |
| Participant deferral / active EE | $6,305 | $4,476+40.9% | $6,035+4.5% | $4,299+46.7% |
| Admin fee / account holder | $6,852 | $8,221-16.7% | $12,695-46.0% | $6,924-1.0% |