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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 | $47,972 | $81,487-41.1% | $102,412-53.2% | $80,935-40.7% |
| Participation rate | 97.0% | 66.8%+30.2pp | 74.5%+22.5pp | 67.7%+29.4pp |
| Annual return | 13.67% | 25.60%-11.9pp | 24.94%-11.3pp | 35.66%-22.0pp |
| Employer contribution / active EE | $5,741 | $3,103+85.0% | $3,870+48.3% | $2,757+108.2% |
| Participant deferral / active EE | $3,004 | $3,871-22.4% | $5,060-40.6% | $4,299-30.1% |
| Admin fee / account holder | $672 | $6,717-90.0% | $8,388-92.0% | $6,924-90.3% |