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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 | $54,347 | $106,749-49.1% | $145,433-62.6% | $82,448-34.1% |
| Participation rate | 77.0% | 75.6%+1.4pp | 82.1%-5.1pp | 68.1%+9.0pp |
| Annual return | 19.55% | 27.59%-8.0pp | 66.58%-47.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $3,833 | $3,444+11.3% | $4,554-15.8% | $2,551+50.3% |
| Participant deferral / active EE | $7,143 | $6,519+9.6% | $7,897-9.6% | $4,139+72.6% |
| Admin fee / account holder | $4,610 | $8,390-45.0% | $13,129-64.9% | $7,234-36.3% |