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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 | $42,312 | $86,949-51.3% | $102,460-58.7% | $80,959-47.7% |
| Participation rate | 86.5% | 72.4%+14.1pp | 76.5%+10.0pp | 67.7%+18.8pp |
| Annual return | 11.28% | 18.89%-7.6pp | 29.47%-18.2pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,938 | $2,370-18.2% | $3,025-35.9% | $2,757-29.7% |
| Participant deferral / active EE | $4,435 | $4,121+7.6% | $5,056-12.3% | $4,300+3.1% |
| Admin fee / account holder | $2,691 | $8,048-66.6% | $9,460-71.6% | $6,925-61.1% |