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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 | $44,165 | $59,839-26.2% | $81,991-46.1% | $79,852-44.7% |
| Participation rate | 75.9% | 61.6%+14.3pp | 69.3%+6.7pp | 69.6%+6.3pp |
| Annual return | 24.23% | 17.56%+6.7pp | 41.31%-17.1pp | 31.72%-7.5pp |
| Employer contribution / active EE | $2,137 | $1,713+24.7% | $2,498-14.5% | $2,471-13.5% |
| Participant deferral / active EE | $3,555 | $2,695+31.9% | $3,722-4.5% | $3,740-5.0% |
| Admin fee / account holder | $1,190 | $4,287-72.2% | $5,665-79.0% | $5,306-77.6% |