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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 | $42,745 | $72,027-40.7% | $185,861-77.0% | $79,856-46.5% |
| Participation rate | 93.1% | 65.8%+27.3pp | 78.0%+15.1pp | 69.6%+23.5pp |
| Annual return | 22.32% | 23.13%-0.8pp | 35.96%-13.6pp | 31.71%-9.4pp |
| Employer contribution / active EE | $2,749 | $1,965+39.9% | $4,088-32.7% | $2,471+11.3% |
| Participant deferral / active EE | $4,642 | $3,780+22.8% | $5,634-17.6% | $3,741+24.1% |
| Admin fee / account holder | $2,242 | $4,513-50.3% | $9,503-76.4% | $5,306-57.8% |