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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 | $44,705 | $83,485-46.5% | $125,195-64.3% | $72,976-38.7% |
| Participation rate | 77.5% | 73.3%+4.2pp | 79.8%-2.3pp | 69.5%+8.0pp |
| Annual return | 21.95% | 25.77%-3.8pp | 43.79%-21.8pp | 81.02%-59.1pp |
| Employer contribution / active EE | $5,778 | $2,346+146.3% | $3,866+49.5% | $2,440+136.8% |
| Participant deferral / active EE | $1,870 | $3,586-47.8% | $4,937-62.1% | $3,608-48.2% |
| Admin fee / account holder | $6,606 | $5,518+19.7% | $9,704-31.9% | $5,124+28.9% |