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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 | $68,578 | $108,825-37.0% | $156,181-56.1% | $82,448-16.8% |
| Participation rate | 80.6% | 72.4%+8.2pp | 78.8%+1.7pp | 68.1%+12.5pp |
| Annual return | 28.29% | 20.59%+7.7pp | 64.87%-36.6pp | 41.64%-13.3pp |
| Employer contribution / active EE | $2,882 | $2,870+0.4% | $4,294-32.9% | $2,551+13.0% |
| Participant deferral / active EE | $5,373 | $4,577+17.4% | $6,132-12.4% | $4,139+29.8% |
| Admin fee / account holder | $1,088 | $9,341-88.4% | $14,586-92.5% | $7,234-85.0% |