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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 | $47,676 | $86,949-45.2% | $102,460-53.5% | $80,959-41.1% |
| Participation rate | 83.9% | 72.4%+11.5pp | 76.5%+7.4pp | 67.7%+16.2pp |
| Annual return | 17.70% | 18.89%-1.2pp | 29.47%-11.8pp | 35.67%-18.0pp |
| Employer contribution / active EE | $2,030 | $2,370-14.4% | $3,025-32.9% | $2,757-26.4% |
| Participant deferral / active EE | $6,350 | $4,121+54.1% | $5,056+25.6% | $4,300+47.7% |
| Admin fee / account holder | $1,179 | $8,048-85.4% | $9,460-87.5% | $6,925-83.0% |