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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 | $38,109 | $86,940-56.2% | $102,434-62.8% | $80,935-52.9% |
| Participation rate | 86.6% | 72.4%+14.2pp | 76.5%+10.1pp | 67.7%+18.9pp |
| Annual return | 10.46% | 18.89%-8.4pp | 29.46%-19.0pp | 35.66%-25.2pp |
| Employer contribution / active EE | $2,581 | $2,370+8.9% | $3,023-14.6% | $2,757-6.4% |
| Participant deferral / active EE | $9,603 | $4,121+133.0% | $5,055+90.0% | $4,299+123.3% |
| Admin fee / account holder | $9,254 | $8,047+15.0% | $9,462-2.2% | $6,924+33.6% |