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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 | $49,895 | $49,239+1.3% | $70,462-29.2% | $79,858-37.5% |
| Participation rate | 78.0% | 69.2%+8.8pp | 75.1%+2.9pp | 69.6%+8.3pp |
| Annual return | 15.48% | 30.08%-14.6pp | 109.08%-93.6pp | 31.72%-16.2pp |
| Employer contribution / active EE | $2,880 | $2,100+37.1% | $2,737+5.2% | $2,471+16.5% |
| Participant deferral / active EE | $5,024 | $2,769+81.4% | $3,710+35.4% | $3,740+34.3% |
| Admin fee / account holder | $7,346 | $2,876+155.4% | $3,845+91.0% | $5,306+38.5% |