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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 | $48,659 | $106,864-54.5% | $147,318-67.0% | $82,637-41.1% |
| Participation rate | 84.4% | 75.5%+8.9pp | 82.1%+2.3pp | 68.1%+16.3pp |
| Annual return | 18.77% | 27.49%-8.7pp | 70.43%-51.7pp | 53.51%-34.7pp |
| Employer contribution / active EE | $3,641 | $3,417+6.6% | $4,593-20.7% | $2,552+42.7% |
| Participant deferral / active EE | $8,606 | $6,496+32.5% | $7,906+8.8% | $4,126+108.6% |
| Admin fee / account holder | $7,118 | $8,415-15.4% | $13,708-48.1% | $7,339-3.0% |