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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 | $86,919-47.2% | $102,457-55.2% | $80,911-43.2% |
| Participation rate | 98.2% | 72.4%+25.8pp | 76.5%+21.7pp | 67.6%+30.6pp |
| Annual return | 12.78% | 18.90%-6.1pp | 29.41%-16.6pp | 35.63%-22.8pp |
| Employer contribution / active EE | $2,612 | $2,368+10.3% | $3,022-13.6% | $2,756-5.2% |
| Participant deferral / active EE | $7,709 | $4,119+87.1% | $5,054+52.5% | $4,297+79.4% |
| Admin fee / account holder | $5,072 | $8,049-37.0% | $9,451-46.3% | $6,935-26.9% |