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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 | $48,621 | $106,524-54.4% | $152,301-68.1% | $87,485-44.4% |
| Participation rate | 85.2% | 75.8%+9.4pp | 82.4%+2.7pp | 68.9%+16.3pp |
| Annual return | 21.09% | 26.89%-5.8pp | 80.50%-59.4pp | 26.06%-5.0pp |
| Employer contribution / active EE | $3,530 | $3,371+4.7% | $4,624-23.7% | $2,596+36.0% |
| Participant deferral / active EE | $10,579 | $6,525+62.1% | $8,004+32.2% | $4,274+147.5% |
| Admin fee / account holder | $3,896 | $8,287-53.0% | $14,398-72.9% | $7,775-49.9% |