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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 | $50,253 | $63,355-20.7% | $91,994-45.4% | $72,983-31.1% |
| Participation rate | 74.7% | 72.5%+2.2pp | 78.6%-3.9pp | 69.5%+5.2pp |
| Annual return | 31.45% | 35.35%-3.9pp | 69.03%-37.6pp | 81.01%-49.6pp |
| Employer contribution / active EE | $1,692 | $2,116-20.0% | $3,452-51.0% | $2,440-30.7% |
| Participant deferral / active EE | $5,246 | $4,883+7.4% | $5,923-11.4% | $3,608+45.4% |
| Admin fee / account holder | $5,568 | $4,668+19.3% | $7,743-28.1% | $5,124+8.7% |