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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 | $48,381 | $86,949-44.4% | $102,460-52.8% | $80,959-40.2% |
| Participation rate | 98.1% | 72.4%+25.8pp | 76.5%+21.6pp | 67.7%+30.5pp |
| Annual return | 13.82% | 18.89%-5.1pp | 29.47%-15.7pp | 35.67%-21.8pp |
| Employer contribution / active EE | $3,425 | $2,370+44.6% | $3,025+13.2% | $2,757+24.2% |
| Participant deferral / active EE | $5,968 | $4,121+44.8% | $5,056+18.0% | $4,300+38.8% |
| Admin fee / account holder | $2,539 | $8,048-68.5% | $9,460-73.2% | $6,925-63.3% |