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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 | $50,580 | $99,633-49.2% | $183,328-72.4% | $82,448-38.7% |
| Participation rate | 86.3% | 70.8%+15.5pp | 77.3%+9.0pp | 68.1%+18.2pp |
| Annual return | 18.36% | 17.84%+0.5pp | 29.67%-11.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $3,478 | $3,256+6.8% | $5,055-31.2% | $2,551+36.3% |
| Participant deferral / active EE | $5,921 | $4,938+19.9% | $6,795-12.9% | $4,139+43.0% |
| Admin fee / account holder | $5,778 | $9,934-41.8% | $21,427-73.0% | $7,234-20.1% |