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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 | $45,605 | $72,273-36.9% | $101,275-55.0% | $79,856-42.9% |
| Participation rate | 81.8% | 68.5%+13.4pp | 75.8%+6.0pp | 69.6%+12.2pp |
| Annual return | 18.01% | 22.30%-4.3pp | 46.48%-28.5pp | 31.71%-13.7pp |
| Employer contribution / active EE | $1,498 | $2,691-44.4% | $3,660-59.1% | $2,471-39.4% |
| Participant deferral / active EE | $8,547 | $3,282+160.5% | $4,371+95.6% | $3,741+128.5% |
| Admin fee / account holder | $5,270 | $4,401+19.7% | $5,948-11.4% | $5,306-0.7% |