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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 | $42,171 | $51,708-18.4% | $106,619-60.4% | $62,881-32.9% |
| Participation rate | 77.1% | 66.9%+10.2pp | 78.0%-0.9pp | 69.3%+7.8pp |
| Annual return | 7.27% | 4.69%+2.6pp | 9.42%-2.2pp | 20.14%-12.9pp |
| Employer contribution / active EE | $2,058 | $1,764+16.7% | $3,947-47.9% | $2,281-9.8% |
| Participant deferral / active EE | $2,965 | $2,315+28.1% | $3,930-24.5% | $3,203-7.4% |
| Admin fee / account holder | $4,867 | $3,349+45.3% | $6,418-24.2% | $4,296+13.3% |