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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 | $49,552 | $81,457-39.2% | $103,378-52.1% | $80,911-38.8% |
| Participation rate | 80.0% | 66.8%+13.2pp | 74.5%+5.5pp | 67.6%+12.4pp |
| Annual return | 19.02% | 25.58%-6.6pp | 24.91%-5.9pp | 35.63%-16.6pp |
| Employer contribution / active EE | $2,261 | $3,107-27.2% | $3,870-41.6% | $2,756-17.9% |
| Participant deferral / active EE | $4,253 | $3,871+9.9% | $5,058-15.9% | $4,297-1.0% |
| Admin fee / account holder | $8,019 | $6,717+19.4% | $8,401-4.5% | $6,935+15.6% |