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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 | $51,446 | $63,904-19.5% | $89,340-42.4% | $67,986-24.3% |
| Participation rate | 72.0% | 54.3%+17.6pp | 69.6%+2.4pp | 57.2%+14.8pp |
| Annual return | 15.97% | 18.09%-2.1pp | 20.57%-4.6pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,778 | $1,627+9.3% | $2,231-20.3% | $2,019-11.9% |
| Participant deferral / active EE | $3,666 | $2,691+36.2% | $3,823-4.1% | $3,358+9.2% |
| Admin fee / account holder | $7,013 | $3,315+111.6% | $6,704+4.6% | $3,203+118.9% |