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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 | $41,405 | $95,453-56.6% | $112,040-63.0% | $82,448-49.8% |
| Participation rate | 96.2% | 72.8%+23.4pp | 76.5%+19.7pp | 68.1%+28.1pp |
| Annual return | 16.28% | 23.92%-7.6pp | 24.52%-8.2pp | 41.64%-25.4pp |
| Employer contribution / active EE | $3,056 | $2,318+31.9% | $2,954+3.5% | $2,551+19.8% |
| Participant deferral / active EE | $5,522 | $4,224+30.7% | $5,098+8.3% | $4,139+33.4% |
| Admin fee / account holder | $7,706 | $9,013-14.5% | $12,098-36.3% | $7,234+6.5% |