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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 | $49,819 | $78,520-36.6% | $96,576-48.4% | $82,448-39.6% |
| Participation rate | 90.3% | 77.7%+12.6pp | 81.4%+8.9pp | 68.1%+22.3pp |
| Annual return | 30.83% | 41.30%-10.5pp | 38.47%-7.6pp | 41.64%-10.8pp |
| Employer contribution / active EE | $2,494 | $2,630-5.1% | $3,553-29.8% | $2,551-2.2% |
| Participant deferral / active EE | $7,225 | $6,754+7.0% | $7,956-9.2% | $4,139+74.5% |
| Admin fee / account holder | $8,439 | $13,455-37.3% | $11,381-25.9% | $7,234+16.6% |