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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 | $40,582 | $97,550-58.4% | $120,344-66.3% | $87,485-53.6% |
| Participation rate | 77.1% | 72.8%+4.3pp | 76.7%+0.4pp | 68.9%+8.2pp |
| Annual return | 18.52% | 18.41%+0.1pp | 20.30%-1.8pp | 26.06%-7.5pp |
| Employer contribution / active EE | $2,380 | $2,291+3.9% | $3,020-21.2% | $2,596-8.3% |
| Participant deferral / active EE | $5,302 | $4,230+25.3% | $5,135+3.3% | $4,274+24.1% |
| Admin fee / account holder | $360 | $9,543-96.2% | $12,742-97.2% | $7,775-95.4% |