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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 | $45,257 | $77,472-41.6% | $100,415-54.9% | $80,959-44.1% |
| Participation rate | 95.2% | 76.9%+18.2pp | 81.5%+13.7pp | 67.7%+27.5pp |
| Annual return | 14.02% | 37.26%-23.2pp | 49.47%-35.5pp | 35.67%-21.6pp |
| Employer contribution / active EE | $3,640 | $2,800+30.0% | $3,943-7.7% | $2,757+32.0% |
| Participant deferral / active EE | $9,272 | $6,818+36.0% | $8,091+14.6% | $4,300+115.6% |
| Admin fee / account holder | $8,382 | $5,885+42.4% | $7,906+6.0% | $6,925+21.0% |