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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 | $44,426 | $58,627-24.2% | $76,735-42.1% | $82,448-46.1% |
| Participation rate | 76.7% | 63.2%+13.4pp | 69.5%+7.2pp | 68.1%+8.6pp |
| Annual return | 33.80% | 39.10%-5.3pp | 29.77%+4.0pp | 41.64%-7.8pp |
| Employer contribution / active EE | $2,575 | $1,729+48.9% | $2,454+4.9% | $2,551+0.9% |
| Participant deferral / active EE | $5,214 | $3,134+66.4% | $4,088+27.5% | $4,139+26.0% |
| Admin fee / account holder | $861 | $5,323-83.8% | $7,189-88.0% | $7,234-88.1% |