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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 | $45,922 | $86,949-47.2% | $102,460-55.2% | $80,959-43.3% |
| Participation rate | 98.2% | 72.4%+25.8pp | 76.5%+21.7pp | 67.7%+30.5pp |
| Annual return | 12.78% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,612 | $2,370+10.2% | $3,025-13.7% | $2,757-5.3% |
| Participant deferral / active EE | $7,709 | $4,121+87.1% | $5,056+52.5% | $4,300+79.3% |
| Admin fee / account holder | $5,072 | $8,048-37.0% | $9,460-46.4% | $6,925-26.8% |