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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 | $44,030 | $56,894-22.6% | $84,753-48.0% | $62,881-30.0% |
| Participation rate | 76.5% | 68.5%+7.9pp | 76.6%-0.1pp | 69.3%+7.2pp |
| Annual return | 12.76% | 6.30%+6.5pp | 22.78%-10.0pp | 20.14%-7.4pp |
| Employer contribution / active EE | $4,535 | $2,400+89.0% | $3,574+26.9% | $2,281+98.8% |
| Participant deferral / active EE | $1,936 | $2,709-28.6% | $3,712-47.9% | $3,203-39.6% |
| Admin fee / account holder | $3,671 | $3,581+2.5% | $5,333-31.2% | $4,296-14.5% |