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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 | $48,094 | $76,551-37.2% | $123,894-61.2% | $62,881-23.5% |
| Participation rate | 82.4% | 73.0%+9.4pp | 81.4%+0.9pp | 69.3%+13.0pp |
| Annual return | 9.53% | 18.68%-9.1pp | 47.52%-38.0pp | 20.14%-10.6pp |
| Employer contribution / active EE | $2,112 | $2,882-26.7% | $4,617-54.3% | $2,281-7.4% |
| Participant deferral / active EE | $5,951 | $4,840+23.0% | $5,984-0.6% | $3,203+85.8% |
| Admin fee / account holder | $650 | $4,826-86.5% | $8,357-92.2% | $4,296-84.9% |