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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 | $44,797 | $81,487-45.0% | $102,412-56.3% | $80,935-44.7% |
| Participation rate | 76.2% | 66.8%+9.4pp | 74.5%+1.7pp | 67.7%+8.5pp |
| Annual return | 16.26% | 25.60%-9.3pp | 24.94%-8.7pp | 35.66%-19.4pp |
| Employer contribution / active EE | $2,521 | $3,103-18.8% | $3,870-34.9% | $2,757-8.5% |
| Participant deferral / active EE | $5,296 | $3,871+36.8% | $5,060+4.7% | $4,299+23.2% |
| Admin fee / account holder | $423 | $6,717-93.7% | $8,388-95.0% | $6,924-93.9% |