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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 | $56,047 | $47,848+17.1% | $81,473-31.2% | $70,126-20.1% |
| Participation rate | 71.8% | 58.3%+13.5pp | 68.0%+3.8pp | 69.5%+2.3pp |
| Annual return | 21.34% | 27.25%-5.9pp | 38.78%-17.4pp | 73.15%-51.8pp |
| Employer contribution / active EE | $2,273 | $1,527+48.8% | $2,568-11.5% | $2,343-3.0% |
| Participant deferral / active EE | $5,735 | $2,453+133.8% | $3,537+62.2% | $3,332+72.1% |
| Admin fee / account holder | $8,055 | $3,145+156.1% | $4,561+76.6% | $4,645+73.4% |