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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 | $47,308 | $79,894-40.8% | $135,792-65.2% | $82,637-42.8% |
| Participation rate | 94.0% | 63.0%+31.0pp | 72.6%+21.4pp | 68.1%+25.9pp |
| Annual return | 15.89% | 17.20%-1.3pp | 25.96%-10.1pp | 53.51%-37.6pp |
| Employer contribution / active EE | $2,698 | $2,165+24.6% | $3,496-22.8% | $2,552+5.7% |
| Participant deferral / active EE | $5,210 | $3,194+63.1% | $4,759+9.5% | $4,126+26.3% |
| Admin fee / account holder | $3,271 | $6,434-49.2% | $12,266-73.3% | $7,339-55.4% |