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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 | $47,155 | $86,938-45.8% | $102,423-54.0% | $80,925-41.7% |
| Participation rate | 90.2% | 72.4%+17.8pp | 76.5%+13.7pp | 67.7%+22.5pp |
| Annual return | 26.36% | 18.89%+7.5pp | 29.42%-3.1pp | 35.65%-9.3pp |
| Employer contribution / active EE | $998 | $2,369-57.9% | $3,023-67.0% | $2,756-63.8% |
| Participant deferral / active EE | $2,794 | $4,120-32.2% | $5,054-44.7% | $4,299-35.0% |
| Admin fee / account holder | $3,698 | $8,053-54.1% | $9,455-60.9% | $6,940-46.7% |