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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 | $54,794 | $81,504-32.8% | $102,437-46.5% | $80,959-32.3% |
| Participation rate | 97.4% | 66.9%+30.6pp | 74.5%+22.9pp | 67.7%+29.8pp |
| Annual return | 16.27% | 25.60%-9.3pp | 24.95%-8.7pp | 35.67%-19.4pp |
| Employer contribution / active EE | $3,116 | $3,104+0.4% | $3,871-19.5% | $2,757+13.0% |
| Participant deferral / active EE | $5,143 | $3,871+32.9% | $5,060+1.6% | $4,300+19.6% |
| Admin fee / account holder | $4,587 | $6,719-31.7% | $8,388-45.3% | $6,925-33.8% |