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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 | $49,938 | $64,920-23.1% | $103,693-51.8% | $86,983-42.6% |
| Participation rate | 87.3% | 63.6%+23.7pp | 72.6%+14.7pp | 69.5%+17.8pp |
| Annual return | 15.05% | 30.29%-15.2pp | 47.61%-32.6pp | 25.83%-10.8pp |
| Employer contribution / active EE | $2,160 | $2,141+0.9% | $2,920-26.0% | $2,584-16.4% |
| Participant deferral / active EE | $4,144 | $3,241+27.9% | $4,579-9.5% | $4,194-1.2% |
| Admin fee / account holder | $842 | $6,191-86.4% | $7,858-89.3% | $7,856-89.3% |