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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 | $81,457-56.8% | $103,378-66.0% | $80,911-56.5% |
| Participation rate | 90.9% | 66.8%+24.1pp | 74.5%+16.4pp | 67.6%+23.3pp |
| Annual return | 14.58% | 25.58%-11.0pp | 24.91%-10.3pp | 35.63%-21.0pp |
| Employer contribution / active EE | $2,718 | $3,107-12.5% | $3,870-29.8% | $2,756-1.4% |
| Participant deferral / active EE | $5,494 | $3,871+41.9% | $5,058+8.6% | $4,297+27.9% |
| Admin fee / account holder | $2,297 | $6,717-65.8% | $8,401-72.7% | $6,935-66.9% |