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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 | $44,632 | $95,453-53.2% | $112,040-60.2% | $82,448-45.9% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.5%+19.8pp | 68.1%+28.2pp |
| Annual return | 19.56% | 23.92%-4.4pp | 24.52%-5.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $2,768 | $2,318+19.4% | $2,954-6.3% | $2,551+8.5% |
| Participant deferral / active EE | $4,497 | $4,224+6.5% | $5,098-11.8% | $4,139+8.6% |
| Admin fee / account holder | $696 | $9,013-92.3% | $12,098-94.2% | $7,234-90.4% |