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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 | $47,815 | $73,787-35.2% | $98,716-51.6% | $82,448-42.0% |
| Participation rate | 81.5% | 61.4%+20.1pp | 69.3%+12.2pp | 68.1%+13.5pp |
| Annual return | 15.46% | 18.57%-3.1pp | 31.81%-16.4pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,768 | $1,511+17.0% | $2,279-22.4% | $2,551-30.7% |
| Participant deferral / active EE | $4,474 | $3,081+45.2% | $4,048+10.5% | $4,139+8.1% |
| Admin fee / account holder | $1,840 | $6,500-71.7% | $8,703-78.9% | $7,234-74.6% |