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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 | $43,765 | $79,557-45.0% | $118,746-63.1% | $70,126-37.6% |
| Participation rate | 88.4% | 71.4%+17.1pp | 78.3%+10.1pp | 69.5%+18.9pp |
| Annual return | 15.87% | 25.64%-9.8pp | 24.54%-8.7pp | 73.15%-57.3pp |
| Employer contribution / active EE | $2,414 | $2,861-15.6% | $4,193-42.4% | $2,343+3.0% |
| Participant deferral / active EE | $4,163 | $4,089+1.8% | $5,332-21.9% | $3,332+25.0% |
| Admin fee / account holder | $4,573 | $5,374-14.9% | $10,720-57.3% | $4,645-1.6% |