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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 | $35,193 | $81,504-56.8% | $102,437-65.6% | $80,959-56.5% |
| Participation rate | 90.9% | 66.9%+24.1pp | 74.5%+16.4pp | 67.7%+23.2pp |
| Annual return | 14.58% | 25.60%-11.0pp | 24.95%-10.4pp | 35.67%-21.1pp |
| Employer contribution / active EE | $2,718 | $3,104-12.4% | $3,871-29.8% | $2,757-1.4% |
| Participant deferral / active EE | $5,494 | $3,871+41.9% | $5,060+8.6% | $4,300+27.8% |
| Admin fee / account holder | $2,297 | $6,719-65.8% | $8,388-72.6% | $6,925-66.8% |