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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 | $44,011 | $62,589-29.7% | $76,768-42.7% | $64,173-31.4% |
| Participation rate | 95.7% | 72.8%+22.9pp | 77.0%+18.8pp | 69.6%+26.2pp |
| Annual return | 7.19% | -1.95%+9.1pp | 2.43%+4.8pp | 7.63%-0.4pp |
| Employer contribution / active EE | $2,364 | $1,832+29.1% | $2,485-4.9% | $2,381-0.7% |
| Participant deferral / active EE | $2,181 | $3,145-30.7% | $3,852-43.4% | $3,470-37.1% |
| Admin fee / account holder | $4,404 | $4,667-5.6% | $6,675-34.0% | $4,887-9.9% |