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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 | $44,291 | $56,054-21.0% | $171,082-74.1% | $62,881-29.6% |
| Participation rate | 77.4% | 62.9%+14.5pp | 76.7%+0.7pp | 69.3%+8.1pp |
| Annual return | 7.02% | 22.52%-15.5pp | 32.56%-25.5pp | 20.14%-13.1pp |
| Employer contribution / active EE | $2,089 | $1,731+20.7% | $4,002-47.8% | $2,281-8.4% |
| Participant deferral / active EE | $3,485 | $3,158+10.4% | $4,797-27.4% | $3,203+8.8% |
| Admin fee / account holder | $5,150 | $3,647+41.2% | $8,520-39.6% | $4,296+19.9% |