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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 | $35,893 | $110,137-67.4% | $161,149-77.7% | $82,637-56.6% |
| Participation rate | 92.3% | 72.4%+20.0pp | 78.8%+13.5pp | 68.1%+24.3pp |
| Annual return | 16.83% | 20.69%-3.9pp | 21.16%-4.3pp | 53.51%-36.7pp |
| Employer contribution / active EE | $3,191 | $2,856+11.7% | $4,360-26.8% | $2,552+25.0% |
| Participant deferral / active EE | $6,344 | $4,575+38.7% | $6,153+3.1% | $4,126+53.7% |
| Admin fee / account holder | $3,059 | $9,467-67.7% | $15,194-79.9% | $7,339-58.3% |