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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 | $42,810 | $99,345-56.9% | $84,753-49.5% | $273,972-84.4% |
| Participation rate | 91.3% | 80.7%+10.6pp | 76.6%+14.7pp | 83.0%+8.3pp |
| Annual return | 8.07% | 22.93%-14.9pp | 22.78%-14.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $3,481 | $4,214-17.4% | $3,574-2.6% | $4,869-28.5% |
| Participant deferral / active EE | $5,050 | $4,270+18.3% | $3,712+36.0% | $5,287-4.5% |
| Admin fee / account holder | $845 | $6,645-87.3% | $5,333-84.2% | $10,133-91.7% |