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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 | $45,640 | $64,920-29.7% | $103,693-56.0% | $86,983-47.5% |
| Participation rate | 96.3% | 63.6%+32.7pp | 72.6%+23.7pp | 69.5%+26.8pp |
| Annual return | 19.54% | 30.29%-10.8pp | 47.61%-28.1pp | 25.83%-6.3pp |
| Employer contribution / active EE | $2,429 | $2,141+13.5% | $2,920-16.8% | $2,584-6.0% |
| Participant deferral / active EE | $4,737 | $3,241+46.2% | $4,579+3.5% | $4,194+13.0% |
| Admin fee / account holder | $2,385 | $6,191-61.5% | $7,858-69.7% | $7,856-69.6% |