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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 | $59,296 | $106,749-44.5% | $145,433-59.2% | $82,448-28.1% |
| Participation rate | 84.0% | 75.6%+8.4pp | 82.1%+1.9pp | 68.1%+15.9pp |
| Annual return | 16.13% | 27.59%-11.5pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $3,237 | $3,444-6.0% | $4,554-28.9% | $2,551+26.9% |
| Participant deferral / active EE | $7,367 | $6,519+13.0% | $7,897-6.7% | $4,139+78.0% |
| Admin fee / account holder | $3,422 | $8,390-59.2% | $13,129-73.9% | $7,234-52.7% |