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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 | $44,310 | $64,359-31.2% | $90,161-50.9% | $70,126-36.8% |
| Participation rate | 85.5% | 70.4%+15.1pp | 76.9%+8.6pp | 69.5%+15.9pp |
| Annual return | 21.44% | 28.13%-6.7pp | 34.89%-13.4pp | 73.15%-51.7pp |
| Employer contribution / active EE | $3,255 | $2,046+59.1% | $3,318-1.9% | $2,343+39.0% |
| Participant deferral / active EE | $5,731 | $4,389+30.6% | $5,287+8.4% | $3,332+72.0% |
| Admin fee / account holder | $567 | $3,945-85.6% | $5,943-90.5% | $4,645-87.8% |