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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 | $43,465 | $106,749-59.3% | $145,433-70.1% | $82,448-47.3% |
| Participation rate | 96.0% | 75.6%+20.4pp | 82.1%+13.9pp | 68.1%+27.9pp |
| Annual return | 17.43% | 27.59%-10.2pp | 66.58%-49.1pp | 41.64%-24.2pp |
| Employer contribution / active EE | $2,960 | $3,444-14.1% | $4,554-35.0% | $2,551+16.0% |
| Participant deferral / active EE | $7,845 | $6,519+20.4% | $7,897-0.7% | $4,139+89.5% |
| Admin fee / account holder | $7,327 | $8,390-12.7% | $13,129-44.2% | $7,234+1.3% |