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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 | $95,453-57.5% | $112,040-63.8% | $82,448-50.8% |
| Participation rate | 77.1% | 72.8%+4.4pp | 76.5%+0.7pp | 68.1%+9.1pp |
| Annual return | 18.52% | 23.92%-5.4pp | 24.52%-6.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $2,380 | $2,318+2.7% | $2,954-19.4% | $2,551-6.7% |
| Participant deferral / active EE | $5,302 | $4,224+25.5% | $5,098+4.0% | $4,139+28.1% |
| Admin fee / account holder | $360 | $9,013-96.0% | $12,098-97.0% | $7,234-95.0% |