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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 | $45,333 | $86,938-47.9% | $102,423-55.7% | $80,925-44.0% |
| Participation rate | 97.4% | 72.4%+25.0pp | 76.5%+20.9pp | 67.7%+29.7pp |
| Annual return | 15.51% | 18.89%-3.4pp | 29.42%-13.9pp | 35.65%-20.1pp |
| Employer contribution / active EE | $3,909 | $2,369+65.0% | $3,023+29.3% | $2,756+41.8% |
| Participant deferral / active EE | $8,757 | $4,120+112.5% | $5,054+73.3% | $4,299+103.7% |
| Admin fee / account holder | $8,088 | $8,053+0.4% | $9,455-14.5% | $6,940+16.5% |