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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 | $51,343 | $86,919-40.9% | $102,457-49.9% | $80,911-36.5% |
| Participation rate | 90.7% | 72.4%+18.3pp | 76.5%+14.2pp | 67.6%+23.0pp |
| Annual return | 15.36% | 18.90%-3.5pp | 29.41%-14.0pp | 35.63%-20.3pp |
| Employer contribution / active EE | $2,058 | $2,368-13.1% | $3,022-31.9% | $2,756-25.3% |
| Participant deferral / active EE | $3,336 | $4,119-19.0% | $5,054-34.0% | $4,297-22.4% |
| Admin fee / account holder | $4,623 | $8,049-42.6% | $9,451-51.1% | $6,935-33.3% |