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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 | $55,553 | $49,239+12.8% | $70,462-21.2% | $79,858-30.4% |
| Participation rate | 80.4% | 69.2%+11.2pp | 75.1%+5.3pp | 69.6%+10.7pp |
| Annual return | 11.88% | 30.08%-18.2pp | 109.08%-97.2pp | 31.72%-19.8pp |
| Employer contribution / active EE | $5,130 | $2,100+144.3% | $2,737+87.4% | $2,471+107.6% |
| Participant deferral / active EE | $2,637 | $2,769-4.8% | $3,710-28.9% | $3,740-29.5% |
| Admin fee / account holder | $1,109 | $2,876-61.5% | $3,845-71.2% | $5,306-79.1% |