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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 | $64,853 | $106,749-39.2% | $145,433-55.4% | $82,448-21.3% |
| Participation rate | 92.6% | 75.6%+16.9pp | 82.1%+10.5pp | 68.1%+24.5pp |
| Annual return | 17.34% | 27.59%-10.2pp | 66.58%-49.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $3,313 | $3,444-3.8% | $4,554-27.3% | $2,551+29.9% |
| Participant deferral / active EE | $7,030 | $6,519+7.8% | $7,897-11.0% | $4,139+69.8% |
| Admin fee / account holder | $3,355 | $8,390-60.0% | $13,129-74.4% | $7,234-53.6% |