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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 | $45,284 | $114,712-60.5% | $173,730-73.9% | $87,485-48.2% |
| Participation rate | 87.9% | 73.0%+14.9pp | 79.6%+8.3pp | 68.9%+18.9pp |
| Annual return | 16.42% | 20.18%-3.8pp | 19.96%-3.5pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,828 | $2,904-37.1% | $4,577-60.1% | $2,596-29.6% |
| Participant deferral / active EE | $4,065 | $4,642-12.4% | $6,326-35.7% | $4,274-4.9% |
| Admin fee / account holder | $357 | $10,210-96.5% | $17,523-98.0% | $7,775-95.4% |