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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 | $53,594 | $75,541-29.1% | $152,093-64.8% | $82,637-35.1% |
| Participation rate | 87.1% | 66.5%+20.6pp | 77.8%+9.3pp | 68.1%+19.0pp |
| Annual return | 22.08% | 32.56%-10.5pp | 66.36%-44.3pp | 53.51%-31.4pp |
| Employer contribution / active EE | $2,267 | $2,622-13.5% | $4,175-45.7% | $2,552-11.2% |
| Participant deferral / active EE | $5,442 | $3,206+69.8% | $5,451-0.2% | $4,126+31.9% |
| Admin fee / account holder | $1,315 | $6,405-79.5% | $14,497-90.9% | $7,339-82.1% |