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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 | $95,453-47.4% | $112,040-55.2% | $82,448-39.1% |
| Participation rate | 89.6% | 72.8%+16.8pp | 76.5%+13.1pp | 68.1%+21.5pp |
| Annual return | 18.27% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $3,096 | $2,318+33.6% | $2,954+4.8% | $2,551+21.4% |
| Participant deferral / active EE | $10,641 | $4,224+151.9% | $5,098+108.7% | $4,139+157.1% |
| Admin fee / account holder | $2,384 | $9,013-73.6% | $12,098-80.3% | $7,234-67.0% |