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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 | $52,048 | $81,487-36.1% | $102,412-49.2% | $80,935-35.7% |
| Participation rate | 93.3% | 66.8%+26.5pp | 74.5%+18.8pp | 67.7%+25.7pp |
| Annual return | 11.24% | 25.60%-14.4pp | 24.94%-13.7pp | 35.66%-24.4pp |
| Employer contribution / active EE | $2,837 | $3,103-8.6% | $3,870-26.7% | $2,757+2.9% |
| Participant deferral / active EE | $4,306 | $3,871+11.2% | $5,060-14.9% | $4,299+0.1% |
| Admin fee / account holder | $802 | $6,717-88.1% | $8,388-90.4% | $6,924-88.4% |