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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 | $57,759 | $78,520-26.4% | $96,576-40.2% | $82,448-29.9% |
| Participation rate | 72.7% | 77.7%-5.0pp | 81.4%-8.7pp | 68.1%+4.7pp |
| Annual return | 22.77% | 41.30%-18.5pp | 38.47%-15.7pp | 41.64%-18.9pp |
| Employer contribution / active EE | $4,726 | $2,630+79.7% | $3,553+33.0% | $2,551+85.3% |
| Participant deferral / active EE | $3,319 | $6,754-50.9% | $7,956-58.3% | $4,139-19.8% |
| Admin fee / account holder | $5,550 | $13,455-58.8% | $11,381-51.2% | $7,234-23.3% |