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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 | $47,893 | $85,515-44.0% | $112,040-57.3% | $67,986-29.6% |
| Participation rate | 92.7% | 68.2%+24.4pp | 76.5%+16.2pp | 57.2%+35.5pp |
| Annual return | 22.00% | 29.68%-7.7pp | 24.52%-2.5pp | 31.67%-9.7pp |
| Employer contribution / active EE | $2,508 | $2,191+14.5% | $2,954-15.1% | $2,019+24.2% |
| Participant deferral / active EE | $5,263 | $4,014+31.1% | $5,098+3.2% | $3,358+56.7% |
| Admin fee / account holder | $1,825 | $3,774-51.6% | $12,098-84.9% | $3,203-43.0% |