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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 | $35,175 | $63,845-44.9% | $81,370-56.8% | $80,959-56.6% |
| Participation rate | 89.7% | 63.9%+25.8pp | 69.5%+20.1pp | 67.7%+22.0pp |
| Annual return | 18.54% | 16.37%+2.2pp | 24.85%-6.3pp | 35.67%-17.1pp |
| Employer contribution / active EE | $3,995 | $1,980+101.8% | $2,464+62.2% | $2,757+44.9% |
| Participant deferral / active EE | $8,768 | $3,093+183.5% | $3,885+125.7% | $4,300+103.9% |
| Admin fee / account holder | $1,864 | $5,688-67.2% | $5,749-67.6% | $6,925-73.1% |