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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 | $43,239 | $72,273-40.2% | $101,275-57.3% | $79,856-45.9% |
| Participation rate | 89.7% | 68.5%+21.2pp | 75.8%+13.8pp | 69.6%+20.0pp |
| Annual return | 12.78% | 22.30%-9.5pp | 46.48%-33.7pp | 31.71%-18.9pp |
| Employer contribution / active EE | $2,045 | $2,691-24.0% | $3,660-44.1% | $2,471-17.3% |
| Participant deferral / active EE | $4,840 | $3,282+47.5% | $4,371+10.7% | $3,741+29.4% |
| Admin fee / account holder | $3,256 | $4,401-26.0% | $5,948-45.3% | $5,306-38.6% |