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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 | $42,948 | $81,504-47.3% | $102,437-58.1% | $80,959-47.0% |
| Participation rate | 85.2% | 66.9%+18.3pp | 74.5%+10.7pp | 67.7%+17.5pp |
| Annual return | 11.98% | 25.60%-13.6pp | 24.95%-13.0pp | 35.67%-23.7pp |
| Employer contribution / active EE | $3,134 | $3,104+1.0% | $3,871-19.0% | $2,757+13.7% |
| Participant deferral / active EE | $4,193 | $3,871+8.3% | $5,060-17.1% | $4,300-2.5% |
| Admin fee / account holder | $1,930 | $6,719-71.3% | $8,388-77.0% | $6,925-72.1% |