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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 | $43,268 | $89,515-51.7% | $103,486-58.2% | $80,935-46.5% |
| Participation rate | 92.8% | 76.0%+16.8pp | 80.5%+12.2pp | 67.7%+25.1pp |
| Annual return | 17.47% | 22.82%-5.3pp | 23.93%-6.5pp | 35.66%-18.2pp |
| Employer contribution / active EE | $3,951 | $4,015-1.6% | $4,679-15.6% | $2,757+43.3% |
| Participant deferral / active EE | $10,045 | $5,463+83.9% | $6,628+51.6% | $4,299+133.6% |
| Admin fee / account holder | $598 | $6,527-90.8% | $9,354-93.6% | $6,924-91.4% |