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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 | $44,276 | $70,486-37.2% | $100,535-56.0% | $79,856-44.6% |
| Participation rate | 97.6% | 73.6%+24.0pp | 79.4%+18.2pp | 69.6%+28.0pp |
| Annual return | 17.28% | 21.90%-4.6pp | 30.90%-13.6pp | 31.71%-14.4pp |
| Employer contribution / active EE | $2,696 | $2,165+24.6% | $3,419-21.1% | $2,471+9.1% |
| Participant deferral / active EE | $7,083 | $5,182+36.7% | $6,271+12.9% | $3,741+89.3% |
| Admin fee / account holder | $1,197 | $4,480-73.3% | $8,085-85.2% | $5,306-77.4% |