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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 | $50,891 | $67,602-24.7% | $82,312-38.2% | $70,126-27.4% |
| Participation rate | 90.3% | 72.8%+17.6pp | 76.9%+13.4pp | 69.5%+20.8pp |
| Annual return | 19.94% | 21.57%-1.6pp | 25.88%-5.9pp | 73.15%-53.2pp |
| Employer contribution / active EE | $5,225 | $1,755+197.7% | $2,428+115.2% | $2,343+123.1% |
| Participant deferral / active EE | $3,205 | $2,987+7.3% | $3,706-13.5% | $3,332-3.8% |
| Admin fee / account holder | $1,860 | $4,512-58.8% | $5,608-66.8% | $4,645-60.0% |