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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 | $55,501 | $76,551-27.5% | $123,894-55.2% | $62,881-11.7% |
| Participation rate | 90.5% | 73.0%+17.5pp | 81.4%+9.1pp | 69.3%+21.2pp |
| Annual return | 6.05% | 18.68%-12.6pp | 47.52%-41.5pp | 20.14%-14.1pp |
| Employer contribution / active EE | $4,193 | $2,882+45.5% | $4,617-9.2% | $2,281+83.8% |
| Participant deferral / active EE | $4,162 | $4,840-14.0% | $5,984-30.5% | $3,203+29.9% |
| Admin fee / account holder | $5,743 | $4,826+19.0% | $8,357-31.3% | $4,296+33.7% |