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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 | $49,496 | $76,550-35.3% | $123,894-60.0% | $62,881-21.3% |
| Participation rate | 78.9% | 73.0%+5.9pp | 81.4%-2.5pp | 69.3%+9.6pp |
| Annual return | 8.72% | 18.67%-10.0pp | 47.52%-38.8pp | 20.14%-11.4pp |
| Employer contribution / active EE | $3,551 | $2,882+23.2% | $4,617-23.1% | $2,281+55.7% |
| Participant deferral / active EE | $8,352 | $4,840+72.6% | $5,984+39.6% | $3,203+160.8% |
| Admin fee / account holder | $678 | $4,826-85.9% | $8,357-91.9% | $4,296-84.2% |