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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 | $50,199 | $97,550-48.5% | $120,344-58.3% | $87,485-42.6% |
| Participation rate | 89.6% | 72.8%+16.7pp | 76.7%+12.8pp | 68.9%+20.6pp |
| Annual return | 18.27% | 18.41%-0.1pp | 20.30%-2.0pp | 26.06%-7.8pp |
| Employer contribution / active EE | $3,096 | $2,291+35.1% | $3,020+2.5% | $2,596+19.2% |
| Participant deferral / active EE | $10,641 | $4,230+151.6% | $5,135+107.2% | $4,274+149.0% |
| Admin fee / account holder | $2,384 | $9,543-75.0% | $12,742-81.3% | $7,775-69.3% |