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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 | $51,995 | $67,602-23.1% | $82,312-36.8% | $70,126-25.9% |
| Participation rate | 81.5% | 72.8%+8.7pp | 76.9%+4.6pp | 69.5%+11.9pp |
| Annual return | 19.06% | 21.57%-2.5pp | 25.88%-6.8pp | 73.15%-54.1pp |
| Employer contribution / active EE | $2,280 | $1,755+29.9% | $2,428-6.1% | $2,343-2.7% |
| Participant deferral / active EE | $4,427 | $2,987+48.2% | $3,706+19.5% | $3,332+32.9% |
| Admin fee / account holder | $356 | $4,512-92.1% | $5,608-93.7% | $4,645-92.3% |