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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 | $57,161 | $99,875-42.8% | $146,866-61.1% | $86,983-34.3% |
| Participation rate | 85.2% | 75.8%+9.4pp | 82.5%+2.7pp | 69.5%+15.7pp |
| Annual return | 20.02% | 28.10%-8.1pp | 102.85%-82.8pp | 25.83%-5.8pp |
| Employer contribution / active EE | $3,420 | $3,224+6.1% | $4,425-22.7% | $2,584+32.3% |
| Participant deferral / active EE | $6,907 | $6,322+9.2% | $7,759-11.0% | $4,194+64.7% |
| Admin fee / account holder | $4,971 | $7,838-36.6% | $13,620-63.5% | $7,856-36.7% |