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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 | $56,528 | $59,440-4.9% | $78,004-27.5% | $82,637-31.6% |
| Participation rate | 73.1% | 62.8%+10.3pp | 69.4%+3.6pp | 68.1%+5.0pp |
| Annual return | 17.02% | 40.24%-23.2pp | 31.07%-14.0pp | 53.51%-36.5pp |
| Employer contribution / active EE | $1,933 | $1,750+10.4% | $2,469-21.7% | $2,552-24.3% |
| Participant deferral / active EE | $4,756 | $3,138+51.6% | $4,092+16.2% | $4,126+15.3% |
| Admin fee / account holder | $4,779 | $5,504-13.2% | $7,578-36.9% | $7,339-34.9% |