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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 | $48,366 | $99,345-51.3% | $84,753-42.9% | $273,972-82.3% |
| Participation rate | 93.8% | 80.7%+13.1pp | 76.6%+17.2pp | 83.0%+10.7pp |
| Annual return | 3.71% | 22.93%-19.2pp | 22.78%-19.1pp | 41.46%-37.7pp |
| Employer contribution / active EE | $11,247 | $4,214+166.9% | $3,574+214.7% | $4,869+131.0% |
| Participant deferral / active EE | $3,768 | $4,270-11.8% | $3,712+1.5% | $5,287-28.7% |
| Admin fee / account holder | $337 | $6,645-94.9% | $5,333-93.7% | $10,133-96.7% |