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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 | $44,324 | $59,804-25.9% | $81,982-45.9% | $79,856-44.5% |
| Participation rate | 88.1% | 61.6%+26.4pp | 69.3%+18.8pp | 69.6%+18.4pp |
| Annual return | 21.20% | 17.56%+3.6pp | 41.31%-20.1pp | 31.71%-10.5pp |
| Employer contribution / active EE | $3,791 | $1,713+121.2% | $2,498+51.7% | $2,471+53.4% |
| Participant deferral / active EE | $8,139 | $2,695+202.0% | $3,722+118.6% | $3,741+117.6% |
| Admin fee / account holder | $3,788 | $4,288-11.7% | $5,665-33.1% | $5,306-28.6% |