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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 | $49,202 | $88,707-44.5% | $74,184-33.7% | $273,972-82.0% |
| Participation rate | 92.9% | 79.4%+13.4pp | 76.6%+16.2pp | 83.0%+9.8pp |
| Annual return | 12.00% | 11.94%+0.1pp | 17.74%-5.7pp | 41.46%-29.5pp |
| Employer contribution / active EE | $3,955 | $3,159+25.2% | $2,370+66.9% | $4,869-18.8% |
| Participant deferral / active EE | $8,911 | $4,212+111.6% | $3,550+151.0% | $5,287+68.5% |
| Admin fee / account holder | $620 | $8,717-92.9% | $5,586-88.9% | $10,133-93.9% |