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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 | $40,481 | $86,919-53.4% | $102,457-60.5% | $80,911-50.0% |
| Participation rate | 74.4% | 72.4%+2.0pp | 76.5%-2.1pp | 67.6%+6.7pp |
| Annual return | 13.09% | 18.90%-5.8pp | 29.41%-16.3pp | 35.63%-22.5pp |
| Employer contribution / active EE | $2,866 | $2,368+21.0% | $3,022-5.2% | $2,756+4.0% |
| Participant deferral / active EE | $4,952 | $4,119+20.2% | $5,054-2.0% | $4,297+15.2% |
| Admin fee / account holder | $1,179 | $8,049-85.4% | $9,451-87.5% | $6,935-83.0% |