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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 | $45,690 | $106,524-57.1% | $152,301-70.0% | $87,485-47.8% |
| Participation rate | 86.2% | 75.8%+10.5pp | 82.4%+3.8pp | 68.9%+17.3pp |
| Annual return | 18.86% | 26.89%-8.0pp | 80.50%-61.6pp | 26.06%-7.2pp |
| Employer contribution / active EE | $3,200 | $3,371-5.1% | $4,624-30.8% | $2,596+23.3% |
| Participant deferral / active EE | $9,783 | $6,525+49.9% | $8,004+22.2% | $4,274+128.9% |
| Admin fee / account holder | $5,541 | $8,287-33.1% | $14,398-61.5% | $7,775-28.7% |