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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 | $57,589 | $54,757+5.2% | $90,304-36.2% | $72,975-21.1% |
| Participation rate | 74.6% | 65.2%+9.5pp | 73.3%+1.4pp | 69.5%+5.2pp |
| Annual return | 22.74% | 30.63%-7.9pp | 78.13%-55.4pp | 81.01%-58.3pp |
| Employer contribution / active EE | $996 | $2,093-52.4% | $2,855-65.1% | $2,440-59.2% |
| Participant deferral / active EE | $1,737 | $2,887-39.8% | $3,885-55.3% | $3,608-51.8% |
| Admin fee / account holder | $5,553 | $3,973+39.8% | $5,354+3.7% | $5,124+8.4% |