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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 | $44,813 | $49,025-8.6% | $87,502-48.8% | $62,881-28.7% |
| Participation rate | 77.9% | 64.9%+13.0pp | 73.8%+4.1pp | 69.3%+8.6pp |
| Annual return | 6.99% | 10.02%-3.0pp | 12.21%-5.2pp | 20.14%-13.2pp |
| Employer contribution / active EE | $2,174 | $1,372+58.5% | $2,550-14.7% | $2,281-4.7% |
| Participant deferral / active EE | $5,618 | $2,289+145.4% | $3,149+78.4% | $3,203+75.4% |
| Admin fee / account holder | $4,453 | $4,065+9.5% | $4,221+5.5% | $4,296+3.7% |