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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 | $46,534 | $75,541-38.4% | $152,093-69.4% | $82,637-43.7% |
| Participation rate | 86.5% | 66.5%+20.0pp | 77.8%+8.8pp | 68.1%+18.5pp |
| Annual return | 14.72% | 32.56%-17.8pp | 66.36%-51.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $2,240 | $2,622-14.6% | $4,175-46.4% | $2,552-12.2% |
| Participant deferral / active EE | $2,392 | $3,206-25.4% | $5,451-56.1% | $4,126-42.0% |
| Admin fee / account holder | $10,491 | $6,405+63.8% | $14,497-27.6% | $7,339+43.0% |