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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 | $59,955 | $76,407-21.5% | $150,298-60.1% | $82,448-27.3% |
| Participation rate | 81.5% | 66.4%+15.1pp | 77.8%+3.7pp | 68.1%+13.4pp |
| Annual return | 22.86% | 39.99%-17.1pp | 62.79%-39.9pp | 41.64%-18.8pp |
| Employer contribution / active EE | $2,543 | $2,614-2.7% | $4,154-38.8% | $2,551-0.3% |
| Participant deferral / active EE | $5,117 | $3,214+59.2% | $5,453-6.1% | $4,139+23.6% |
| Admin fee / account holder | $9,680 | $6,352+52.4% | $14,116-31.4% | $7,234+33.8% |