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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 | $53,197 | $67,602-21.3% | $82,312-35.4% | $70,126-24.1% |
| Participation rate | 84.1% | 72.8%+11.3pp | 76.9%+7.2pp | 69.5%+14.6pp |
| Annual return | 14.38% | 21.57%-7.2pp | 25.88%-11.5pp | 73.15%-58.8pp |
| Employer contribution / active EE | $5,720 | $1,755+226.0% | $2,428+135.6% | $2,343+144.2% |
| Participant deferral / active EE | $3,618 | $2,987+21.1% | $3,706-2.4% | $3,332+8.6% |
| Admin fee / account holder | $492 | $4,512-89.1% | $5,608-91.2% | $4,645-89.4% |