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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 | $39,577 | $95,404-58.5% | $113,397-65.1% | $82,637-52.1% |
| Participation rate | 87.6% | 72.8%+14.8pp | 76.5%+11.1pp | 68.1%+19.6pp |
| Annual return | 13.02% | 19.08%-6.1pp | 23.20%-10.2pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,485 | $2,307-35.6% | $2,977-50.1% | $2,552-41.8% |
| Participant deferral / active EE | $5,592 | $4,220+32.5% | $5,076+10.2% | $4,126+35.5% |
| Admin fee / account holder | $5,568 | $9,168-39.3% | $11,957-53.4% | $7,339-24.1% |