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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 | $44,393 | $77,523-42.7% | $100,383-55.8% | $80,874-45.1% |
| Participation rate | 79.5% | 77.0%+2.5pp | 81.5%-2.0pp | 67.6%+11.8pp |
| Annual return | 16.61% | 37.21%-20.6pp | 49.26%-32.7pp | 35.62%-19.0pp |
| Employer contribution / active EE | $4,013 | $2,801+43.3% | $3,944+1.8% | $2,756+45.6% |
| Participant deferral / active EE | $7,014 | $6,822+2.8% | $8,086-13.3% | $4,297+63.2% |
| Admin fee / account holder | $2,168 | $5,899-63.3% | $7,900-72.6% | $6,935-68.7% |