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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 | $45,186 | $63,082-28.4% | $81,726-44.7% | $79,856-43.4% |
| Participation rate | 95.0% | 67.5%+27.5pp | 72.0%+23.0pp | 69.6%+25.4pp |
| Annual return | 15.84% | 22.66%-6.8pp | 29.49%-13.7pp | 31.71%-15.9pp |
| Employer contribution / active EE | $2,484 | $1,795+38.4% | $4,311-42.4% | $2,471+0.5% |
| Participant deferral / active EE | $5,572 | $2,780+100.4% | $7,108-21.6% | $3,741+49.0% |
| Admin fee / account holder | $3,009 | $4,428-32.0% | $5,160-41.7% | $5,306-43.3% |