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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 | $86,949-47.5% | $102,460-55.4% | $80,959-43.6% |
| Participation rate | 80.0% | 72.4%+7.6pp | 76.5%+3.5pp | 67.7%+12.3pp |
| Annual return | 23.59% | 18.89%+4.7pp | 29.47%-5.9pp | 35.67%-12.1pp |
| Employer contribution / active EE | $3,882 | $2,370+63.8% | $3,025+28.3% | $2,757+40.8% |
| Participant deferral / active EE | $8,819 | $4,121+114.0% | $5,056+74.4% | $4,300+105.1% |
| Admin fee / account holder | $3,743 | $8,048-53.5% | $9,460-60.4% | $6,925-45.9% |