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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 | $34,008 | $215,361-84.2% | $171,082-80.1% | $273,972-87.6% |
| Participation rate | 91.3% | 82.0%+9.3pp | 76.7%+14.6pp | 83.0%+8.3pp |
| Annual return | 8.60% | 25.14%-16.5pp | 32.56%-24.0pp | 41.46%-32.9pp |
| Employer contribution / active EE | $2,840 | $4,967-42.8% | $4,002-29.0% | $4,869-41.7% |
| Participant deferral / active EE | $5,566 | $5,543+0.4% | $4,797+16.0% | $5,287+5.3% |
| Admin fee / account holder | $2,347 | $10,846-78.4% | $8,520-72.5% | $10,133-76.8% |