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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 | $47,799 | $101,778-53.0% | $164,975-71.0% | $80,925-40.9% |
| Participation rate | 86.5% | 71.8%+14.7pp | 78.6%+7.9pp | 67.7%+18.8pp |
| Annual return | 12.43% | 16.73%-4.3pp | 70.12%-57.7pp | 35.65%-23.2pp |
| Employer contribution / active EE | $2,837 | $2,954-3.9% | $4,343-34.7% | $2,756+2.9% |
| Participant deferral / active EE | $2,999 | $4,477-33.0% | $6,033-50.3% | $4,299-30.2% |
| Admin fee / account holder | $1,720 | $8,221-79.1% | $12,688-86.4% | $6,940-75.2% |