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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 | $47,821 | $78,520-39.1% | $96,576-50.5% | $82,448-42.0% |
| Participation rate | 82.4% | 77.7%+4.6pp | 81.4%+0.9pp | 68.1%+14.3pp |
| Annual return | 27.87% | 41.30%-13.4pp | 38.47%-10.6pp | 41.64%-13.8pp |
| Employer contribution / active EE | $2,457 | $2,630-6.6% | $3,553-30.9% | $2,551-3.7% |
| Participant deferral / active EE | $5,633 | $6,754-16.6% | $7,956-29.2% | $4,139+36.1% |
| Admin fee / account holder | $625 | $13,455-95.4% | $11,381-94.5% | $7,234-91.4% |