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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 | $42,355 | $66,764-36.6% | $88,497-52.1% | $62,881-32.6% |
| Participation rate | 81.8% | 77.3%+4.5pp | 82.4%-0.6pp | 69.3%+12.5pp |
| Annual return | 10.53% | 10.37%+0.2pp | 7.63%+2.9pp | 20.14%-9.6pp |
| Employer contribution / active EE | $3,101 | $3,077+0.8% | $4,036-23.2% | $2,281+36.0% |
| Participant deferral / active EE | $10,434 | $3,976+162.4% | $4,899+113.0% | $3,203+225.8% |
| Admin fee / account holder | $1,908 | $4,668-59.1% | $6,220-69.3% | $4,296-55.6% |