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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 | $106,864-49.1% | $147,318-63.1% | $82,637-34.2% |
| Participation rate | 77.0% | 75.5%+1.5pp | 82.1%-5.0pp | 68.1%+9.0pp |
| Annual return | 19.55% | 27.49%-7.9pp | 70.43%-50.9pp | 53.51%-34.0pp |
| Employer contribution / active EE | $3,833 | $3,417+12.2% | $4,593-16.5% | $2,552+50.2% |
| Participant deferral / active EE | $7,143 | $6,496+10.0% | $7,906-9.7% | $4,126+73.1% |
| Admin fee / account holder | $4,610 | $8,415-45.2% | $13,708-66.4% | $7,339-37.2% |