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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 | $52,358 | $106,864-51.0% | $147,318-64.5% | $82,637-36.6% |
| Participation rate | 91.1% | 75.5%+15.6pp | 82.1%+9.0pp | 68.1%+23.1pp |
| Annual return | 18.33% | 27.49%-9.2pp | 70.43%-52.1pp | 53.51%-35.2pp |
| Employer contribution / active EE | $3,424 | $3,417+0.2% | $4,593-25.4% | $2,552+34.2% |
| Participant deferral / active EE | $10,714 | $6,496+64.9% | $7,906+35.5% | $4,126+159.7% |
| Admin fee / account holder | $2,700 | $8,415-67.9% | $13,708-80.3% | $7,339-63.2% |