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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 | $45,748 | $86,919-47.4% | $102,457-55.3% | $80,911-43.5% |
| Participation rate | 91.8% | 72.4%+19.4pp | 76.5%+15.3pp | 67.6%+24.2pp |
| Annual return | 11.14% | 18.90%-7.8pp | 29.41%-18.3pp | 35.63%-24.5pp |
| Employer contribution / active EE | $3,563 | $2,368+50.5% | $3,022+17.9% | $2,756+29.3% |
| Participant deferral / active EE | $2,265 | $4,119-45.0% | $5,054-55.2% | $4,297-47.3% |
| Admin fee / account holder | $3,945 | $8,049-51.0% | $9,451-58.3% | $6,935-43.1% |