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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 | $45,041 | $64,359-30.0% | $90,161-50.0% | $70,126-35.8% |
| Participation rate | 90.8% | 70.4%+20.3pp | 76.9%+13.9pp | 69.5%+21.2pp |
| Annual return | 20.98% | 28.13%-7.2pp | 34.89%-13.9pp | 73.15%-52.2pp |
| Employer contribution / active EE | $2,086 | $2,046+2.0% | $3,318-37.1% | $2,343-10.9% |
| Participant deferral / active EE | $2,926 | $4,389-33.3% | $5,287-44.7% | $3,332-12.2% |
| Admin fee / account holder | $5,673 | $3,945+43.8% | $5,943-4.5% | $4,645+22.1% |