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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 | $46,569 | $46,877-0.7% | $122,354-61.9% | $70,126-33.6% |
| Participation rate | 84.6% | 58.2%+26.4pp | 71.6%+13.0pp | 69.5%+15.1pp |
| Annual return | 13.97% | 24.22%-10.3pp | 30.28%-16.3pp | 73.15%-59.2pp |
| Employer contribution / active EE | $3,524 | $1,288+173.6% | $4,051-13.0% | $2,343+50.5% |
| Participant deferral / active EE | $2,179 | $2,167+0.5% | $3,287-33.7% | $3,332-34.6% |
| Admin fee / account holder | $974 | $3,324-70.7% | $5,479-82.2% | $4,645-79.0% |