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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 | $44,934 | $43,075+4.3% | $74,577-39.7% | $62,881-28.5% |
| Participation rate | 89.4% | 58.1%+31.3pp | 68.1%+21.3pp | 69.3%+20.1pp |
| Annual return | 7.11% | 17.50%-10.4pp | 20.47%-13.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,972 | $1,498+31.7% | $2,525-21.9% | $2,281-13.5% |
| Participant deferral / active EE | $3,604 | $2,389+50.8% | $3,458+4.2% | $3,203+12.5% |
| Admin fee / account holder | $3,552 | $2,840+25.1% | $4,138-14.2% | $4,296-17.3% |