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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 | $43,245 | $108,825-60.3% | $156,181-72.3% | $82,448-47.5% |
| Participation rate | 81.7% | 72.4%+9.3pp | 78.8%+2.9pp | 68.1%+13.6pp |
| Annual return | 21.88% | 20.59%+1.3pp | 64.87%-43.0pp | 41.64%-19.8pp |
| Employer contribution / active EE | $4,203 | $2,870+46.5% | $4,294-2.1% | $2,551+64.8% |
| Participant deferral / active EE | $7,686 | $4,577+67.9% | $6,132+25.3% | $4,139+85.7% |
| Admin fee / account holder | $3,794 | $9,341-59.4% | $14,586-74.0% | $7,234-47.6% |