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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 | $36,472 | $72,492-49.7% | $87,104-58.1% | $72,975-50.0% |
| Participation rate | 93.2% | 72.8%+20.4pp | 76.9%+16.3pp | 69.5%+23.7pp |
| Annual return | 22.21% | 24.46%-2.3pp | 28.19%-6.0pp | 81.01%-58.8pp |
| Employer contribution / active EE | $2,063 | $1,894+8.9% | $2,521-18.2% | $2,440-15.5% |
| Participant deferral / active EE | $4,049 | $3,270+23.8% | $4,0480% | $3,608+12.2% |
| Admin fee / account holder | $3,539 | $5,055-30.0% | $7,491-52.8% | $5,124-30.9% |