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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 | $100,784-49.8% | $191,597-73.6% | $82,637-38.8% |
| Participation rate | 86.3% | 70.5%+15.8pp | 76.9%+9.4pp | 68.1%+18.2pp |
| Annual return | 18.36% | 18.13%+0.2pp | 27.07%-8.7pp | 53.51%-35.1pp |
| Employer contribution / active EE | $3,478 | $3,102+12.1% | $5,025-30.8% | $2,552+36.3% |
| Participant deferral / active EE | $5,921 | $4,937+19.9% | $6,850-13.6% | $4,126+43.5% |
| Admin fee / account holder | $5,778 | $10,062-42.6% | $22,799-74.7% | $7,339-21.3% |