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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 | $46,134 | $76,551-39.7% | $123,894-62.8% | $62,881-26.6% |
| Participation rate | 89.5% | 73.0%+16.5pp | 81.4%+8.1pp | 69.3%+20.2pp |
| Annual return | 9.84% | 18.68%-8.8pp | 47.52%-37.7pp | 20.14%-10.3pp |
| Employer contribution / active EE | $3,874 | $2,882+34.4% | $4,617-16.1% | $2,281+69.9% |
| Participant deferral / active EE | $7,389 | $4,840+52.7% | $5,984+23.5% | $3,203+130.7% |
| Admin fee / account holder | $544 | $4,826-88.7% | $8,357-93.5% | $4,296-87.3% |