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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 | $46,247 | $76,551-39.6% | $123,894-62.7% | $62,881-26.5% |
| Participation rate | 85.3% | 73.0%+12.4pp | 81.4%+3.9pp | 69.3%+16.0pp |
| Annual return | 14.34% | 18.68%-4.3pp | 47.52%-33.2pp | 20.14%-5.8pp |
| Employer contribution / active EE | $2,486 | $2,882-13.8% | $4,617-46.2% | $2,281+9.0% |
| Participant deferral / active EE | $8,918 | $4,840+84.3% | $5,984+49.0% | $3,203+178.4% |
| Admin fee / account holder | $797 | $4,826-83.5% | $8,357-90.5% | $4,296-81.4% |