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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 | $81,476-56.8% | $102,383-65.6% | $80,925-56.5% |
| Participation rate | 90.9% | 66.8%+24.1pp | 74.5%+16.4pp | 67.7%+23.3pp |
| Annual return | 14.58% | 25.59%-11.0pp | 24.94%-10.4pp | 35.65%-21.1pp |
| Employer contribution / active EE | $2,718 | $3,105-12.4% | $3,870-29.8% | $2,756-1.4% |
| Participant deferral / active EE | $5,494 | $3,871+41.9% | $5,060+8.6% | $4,299+27.8% |
| Admin fee / account holder | $2,297 | $6,717-65.8% | $8,391-72.6% | $6,940-66.9% |