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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 | $89,532-51.7% | $103,447-58.2% | $80,925-46.5% |
| Participation rate | 92.8% | 76.0%+16.7pp | 80.5%+12.2pp | 67.7%+25.1pp |
| Annual return | 17.47% | 22.80%-5.3pp | 23.92%-6.4pp | 35.65%-18.2pp |
| Employer contribution / active EE | $3,951 | $4,023-1.8% | $4,678-15.5% | $2,756+43.4% |
| Participant deferral / active EE | $10,045 | $5,459+84.0% | $6,624+51.7% | $4,299+133.7% |
| Admin fee / account holder | $598 | $6,774-91.2% | $9,415-93.6% | $6,940-91.4% |