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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 | $45,392 | $60,349-24.8% | $74,184-38.8% | $62,881-27.8% |
| Participation rate | 79.5% | 72.7%+6.8pp | 76.6%+2.9pp | 69.3%+10.2pp |
| Annual return | 10.71% | 21.38%-10.7pp | 17.74%-7.0pp | 20.14%-9.4pp |
| Employer contribution / active EE | $5,464 | $1,680+225.2% | $2,370+130.5% | $2,281+139.5% |
| Participant deferral / active EE | $3,467 | $2,856+21.4% | $3,550-2.3% | $3,203+8.3% |
| Admin fee / account holder | $345 | $4,261-91.9% | $5,586-93.8% | $4,296-92.0% |