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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 | $45,674 | $77,472-41.0% | $100,392-54.5% | $80,935-43.6% |
| Participation rate | 95.1% | 76.9%+18.1pp | 81.5%+13.6pp | 67.7%+27.4pp |
| Annual return | 15.17% | 37.26%-22.1pp | 49.45%-34.3pp | 35.66%-20.5pp |
| Employer contribution / active EE | $1,469 | $2,800-47.6% | $3,941-62.7% | $2,757-46.7% |
| Participant deferral / active EE | $8,426 | $6,818+23.6% | $8,090+4.2% | $4,299+96.0% |
| Admin fee / account holder | $2,727 | $5,885-53.7% | $7,904-65.5% | $6,924-60.6% |