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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 | $51,528 | $79,557-35.2% | $118,746-56.6% | $70,126-26.5% |
| Participation rate | 86.2% | 71.4%+14.9pp | 78.3%+7.9pp | 69.5%+16.7pp |
| Annual return | 14.92% | 25.64%-10.7pp | 24.54%-9.6pp | 73.15%-58.2pp |
| Employer contribution / active EE | $5,698 | $2,861+99.1% | $4,193+35.9% | $2,343+143.2% |
| Participant deferral / active EE | $3,198 | $4,089-21.8% | $5,332-40.0% | $3,332-4.0% |
| Admin fee / account holder | $574 | $5,374-89.3% | $10,720-94.6% | $4,645-87.7% |