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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 | $44,269 | $76,551-42.2% | $123,894-64.3% | $62,881-29.6% |
| Participation rate | 93.0% | 73.0%+20.0pp | 81.4%+11.6pp | 69.3%+23.7pp |
| Annual return | 8.14% | 18.68%-10.5pp | 47.52%-39.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,629 | $2,882-8.8% | $4,617-43.1% | $2,281+15.3% |
| Participant deferral / active EE | $5,376 | $4,840+11.1% | $5,984-10.2% | $3,203+67.8% |
| Admin fee / account holder | $3,303 | $4,826-31.6% | $8,357-60.5% | $4,296-23.1% |