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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 | $40,680 | $110,137-63.1% | $161,149-74.8% | $82,637-50.8% |
| Participation rate | 85.7% | 72.4%+13.4pp | 78.8%+6.9pp | 68.1%+17.7pp |
| Annual return | 16.47% | 20.69%-4.2pp | 21.16%-4.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $3,707 | $2,856+29.8% | $4,360-15.0% | $2,552+45.3% |
| Participant deferral / active EE | $7,079 | $4,575+54.7% | $6,153+15.0% | $4,126+71.6% |
| Admin fee / account holder | $8,023 | $9,467-15.2% | $15,194-47.2% | $7,339+9.3% |