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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 | $56,308 | $81,358-30.8% | $155,556-63.8% | $80,959-30.4% |
| Participation rate | 78.7% | 66.3%+12.4pp | 78.2%+0.5pp | 67.7%+11.0pp |
| Annual return | 11.33% | 33.39%-22.1pp | 64.84%-53.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $2,428 | $3,106-21.8% | $4,675-48.1% | $2,757-11.9% |
| Participant deferral / active EE | $4,785 | $3,455+38.5% | $5,631-15.0% | $4,300+11.3% |
| Admin fee / account holder | $490 | $7,994-93.9% | $15,885-96.9% | $6,925-92.9% |