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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 | $47,760 | $106,749-55.3% | $145,433-67.2% | $82,448-42.1% |
| Participation rate | 91.2% | 75.6%+15.5pp | 82.1%+9.1pp | 68.1%+23.1pp |
| Annual return | 17.55% | 27.59%-10.0pp | 66.58%-49.0pp | 41.64%-24.1pp |
| Employer contribution / active EE | $3,485 | $3,444+1.2% | $4,554-23.5% | $2,551+36.6% |
| Participant deferral / active EE | $7,008 | $6,519+7.5% | $7,897-11.3% | $4,139+69.3% |
| Admin fee / account holder | $3,448 | $8,390-58.9% | $13,129-73.7% | $7,234-52.3% |