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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 | $32,267 | $76,551-57.8% | $123,894-74.0% | $62,881-48.7% |
| Participation rate | 94.3% | 73.0%+21.3pp | 81.4%+12.9pp | 69.3%+25.0pp |
| Annual return | 11.35% | 18.68%-7.3pp | 47.52%-36.2pp | 20.14%-8.8pp |
| Employer contribution / active EE | $1,863 | $2,882-35.4% | $4,617-59.6% | $2,281-18.3% |
| Participant deferral / active EE | $4,307 | $4,840-11.0% | $5,984-28.0% | $3,203+34.5% |
| Admin fee / account holder | $4,674 | $4,826-3.1% | $8,357-44.1% | $4,296+8.8% |