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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 | $79,114 | $90,400-12.5% | $186,193-57.5% | $87,485-9.6% |
| Participation rate | 73.1% | 66.2%+6.9pp | 77.1%-4.0pp | 68.9%+4.1pp |
| Annual return | 20.88% | 22.15%-1.3pp | 78.03%-57.1pp | 26.06%-5.2pp |
| Employer contribution / active EE | $2,552 | $2,170+17.6% | $3,918-34.9% | $2,596-1.7% |
| Participant deferral / active EE | $4,490 | $4,330+3.7% | $6,513-31.1% | $4,274+5.1% |
| Admin fee / account holder | $5,656 | $8,673-34.8% | $11,058-48.9% | $7,775-27.3% |