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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 | $36,455 | $81,446-55.2% | $103,374-64.7% | $80,874-54.9% |
| Participation rate | 95.2% | 66.9%+28.4pp | 74.5%+20.7pp | 67.6%+27.6pp |
| Annual return | 11.98% | 25.57%-13.6pp | 24.89%-12.9pp | 35.62%-23.6pp |
| Employer contribution / active EE | $2,951 | $3,107-5.0% | $3,869-23.7% | $2,756+7.1% |
| Participant deferral / active EE | $5,694 | $3,870+47.1% | $5,058+12.6% | $4,297+32.5% |
| Admin fee / account holder | $4,851 | $6,715-27.8% | $8,394-42.2% | $6,935-30.1% |