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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 | $30,942 | $106,749-71.0% | $145,433-78.7% | $82,448-62.5% |
| Participation rate | 96.1% | 75.6%+20.4pp | 82.1%+13.9pp | 68.1%+28.0pp |
| Annual return | 14.56% | 27.59%-13.0pp | 66.58%-52.0pp | 41.64%-27.1pp |
| Employer contribution / active EE | $2,780 | $3,444-19.3% | $4,554-39.0% | $2,551+9.0% |
| Participant deferral / active EE | $5,035 | $6,519-22.8% | $7,897-36.2% | $4,139+21.6% |
| Admin fee / account holder | $7,543 | $8,390-10.1% | $13,129-42.6% | $7,234+4.3% |