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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 | $53,221 | $77,472-31.3% | $100,392-47.0% | $80,935-34.2% |
| Participation rate | 81.6% | 76.9%+4.6pp | 81.5%+0.1pp | 67.7%+13.9pp |
| Annual return | 27.70% | 37.26%-9.6pp | 49.45%-21.7pp | 35.66%-8.0pp |
| Employer contribution / active EE | $3,844 | $2,800+37.3% | $3,941-2.5% | $2,757+39.4% |
| Participant deferral / active EE | $9,664 | $6,818+41.8% | $8,090+19.5% | $4,299+124.8% |
| Admin fee / account holder | $375 | $5,885-93.6% | $7,904-95.3% | $6,924-94.6% |