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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 | $57,076 | $75,541-24.4% | $152,093-62.5% | $82,637-30.9% |
| Participation rate | 87.3% | 66.5%+20.8pp | 77.8%+9.5pp | 68.1%+19.2pp |
| Annual return | 19.21% | 32.56%-13.3pp | 66.36%-47.1pp | 53.51%-34.3pp |
| Employer contribution / active EE | $2,916 | $2,622+11.2% | $4,175-30.1% | $2,552+14.3% |
| Participant deferral / active EE | $5,089 | $3,206+58.7% | $5,451-6.7% | $4,126+23.3% |
| Admin fee / account holder | $1,225 | $6,405-80.9% | $14,497-91.6% | $7,339-83.3% |