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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 | $46,902 | $95,404-50.8% | $113,397-58.6% | $82,637-43.2% |
| Participation rate | 89.3% | 72.8%+16.5pp | 76.5%+12.8pp | 68.1%+21.2pp |
| Annual return | 15.71% | 19.08%-3.4pp | 23.20%-7.5pp | 53.51%-37.8pp |
| Employer contribution / active EE | $3,375 | $2,307+46.3% | $2,977+13.4% | $2,552+32.3% |
| Participant deferral / active EE | $8,699 | $4,220+106.2% | $5,076+71.4% | $4,126+110.8% |
| Admin fee / account holder | $7,126 | $9,168-22.3% | $11,957-40.4% | $7,339-2.9% |