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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 | $56,982 | $81,487-30.1% | $102,412-44.4% | $80,935-29.6% |
| Participation rate | 73.6% | 66.8%+6.8pp | 74.5%-0.9pp | 67.7%+5.9pp |
| Annual return | 14.97% | 25.60%-10.6pp | 24.94%-10.0pp | 35.66%-20.7pp |
| Employer contribution / active EE | $2,748 | $3,103-11.5% | $3,870-29.0% | $2,757-0.3% |
| Participant deferral / active EE | $5,609 | $3,871+44.9% | $5,060+10.8% | $4,299+30.4% |
| Admin fee / account holder | $4,034 | $6,717-39.9% | $8,388-51.9% | $6,924-41.7% |