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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 | $45,686 | $86,922-47.4% | $102,438-55.4% | $80,874-43.5% |
| Participation rate | 80.0% | 72.4%+7.6pp | 76.5%+3.5pp | 67.6%+12.4pp |
| Annual return | 23.59% | 18.90%+4.7pp | 29.37%-5.8pp | 35.62%-12.0pp |
| Employer contribution / active EE | $3,882 | $2,369+63.8% | $3,024+28.4% | $2,756+40.9% |
| Participant deferral / active EE | $8,819 | $4,119+114.1% | $5,054+74.5% | $4,297+105.2% |
| Admin fee / account holder | $3,743 | $8,050-53.5% | $9,448-60.4% | $6,935-46.0% |