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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 | $57,447 | $87,834-34.6% | $133,975-57.1% | $62,881-8.6% |
| Participation rate | 97.1% | 83.4%+13.7pp | 87.1%+10.0pp | 69.3%+27.8pp |
| Annual return | 8.56% | 12.05%-3.5pp | 29.29%-20.7pp | 20.14%-11.6pp |
| Employer contribution / active EE | $5,174 | $3,482+48.6% | $5,211-0.7% | $2,281+126.9% |
| Participant deferral / active EE | $5,533 | $4,812+15.0% | $6,282-11.9% | $3,203+72.7% |
| Admin fee / account holder | $2,423 | $5,372-54.9% | $9,324-74.0% | $4,296-43.6% |