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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 | $56,999 | $77,896-26.8% | $134,172-57.5% | $82,448-30.9% |
| Participation rate | 75.0% | 62.8%+12.2pp | 72.5%+2.5pp | 68.1%+6.9pp |
| Annual return | 15.13% | 18.21%-3.1pp | 25.30%-10.2pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,587 | $2,159+19.8% | $3,420-24.4% | $2,551+1.4% |
| Participant deferral / active EE | $3,629 | $3,162+14.8% | $4,690-22.6% | $4,139-12.3% |
| Admin fee / account holder | $621 | $6,336-90.2% | $12,016-94.8% | $7,234-91.4% |