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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 | $48,047 | $80,992-40.7% | $96,534-50.2% | $75,173-36.1% |
| Participation rate | 76.7% | 71.8%+4.9pp | 76.0%+0.7pp | 67.2%+9.5pp |
| Annual return | 15.48% | 27.05%-11.6pp | 25.88%-10.4pp | 160.72%-145.2pp |
| Employer contribution / active EE | $2,934 | $2,283+28.5% | $2,965-1.1% | $2,671+9.8% |
| Participant deferral / active EE | $5,047 | $3,929+28.4% | $4,851+4.0% | $4,126+22.3% |
| Admin fee / account holder | $9,391 | $6,717+39.8% | $8,253+13.8% | $5,651+66.2% |