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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 | $30,790 | $106,749-71.2% | $145,433-78.8% | $82,448-62.7% |
| Participation rate | 88.9% | 75.6%+13.2pp | 82.1%+6.8pp | 68.1%+20.8pp |
| Annual return | 16.19% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $3,236 | $3,444-6.1% | $4,554-29.0% | $2,551+26.9% |
| Participant deferral / active EE | $6,907 | $6,519+6.0% | $7,897-12.5% | $4,139+66.9% |
| Admin fee / account holder | $5,647 | $8,390-32.7% | $13,129-57.0% | $7,234-21.9% |