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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 | $44,685 | $91,439-51.1% | $135,974-67.1% | $71,511-37.5% |
| Participation rate | 93.4% | 75.7%+17.7pp | 81.9%+11.5pp | 67.9%+25.5pp |
| Annual return | 26.45% | 29.90%-3.4pp | 68.30%-41.9pp | 28.86%-2.4pp |
| Employer contribution / active EE | $3,235 | $3,705-12.7% | $4,859-33.4% | $2,589+24.9% |
| Participant deferral / active EE | $7,750 | $7,093+9.3% | $7,760-0.1% | $4,291+80.6% |
| Admin fee / account holder | $2,060 | $1,267+62.6% | $10,767-80.9% | $1,588+29.7% |