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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 | $56,371 | $73,988-23.8% | $96,538-41.6% | $75,177-25.0% |
| Participation rate | 85.7% | 66.4%+19.3pp | 74.3%+11.4pp | 67.2%+18.5pp |
| Annual return | 16.76% | 26.73%-10.0pp | 35.74%-19.0pp | 160.75%-144.0pp |
| Employer contribution / active EE | $2,375 | $2,930-19.0% | $3,740-36.5% | $2,671-11.1% |
| Participant deferral / active EE | $5,431 | $3,660+48.4% | $4,880+11.3% | $4,126+31.6% |
| Admin fee / account holder | $11,847 | $5,220+127.0% | $6,737+75.8% | $5,651+109.6% |