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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 | $49,194 | $72,177-31.8% | $115,037-57.2% | $59,633-17.5% |
| Participation rate | 75.0% | 72.6%+2.4pp | 81.4%-6.4pp | 68.7%+6.3pp |
| Annual return | 7.21% | 12.02%-4.8pp | 26.14%-18.9pp | 2041.40%-2034.2pp |
| Employer contribution / active EE | $5,613 | $2,841+97.6% | $4,608+21.8% | $2,203+154.8% |
| Participant deferral / active EE | $8,165 | $4,783+70.7% | $6,026+35.5% | $3,192+155.8% |
| Admin fee / account holder | $10,355 | $4,927+110.2% | $8,175+26.7% | $4,297+141.0% |