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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 | $73,749 | $86,050-14.3% | $189,758-61.1% | $94,015-21.6% |
| Participation rate | 72.4% | 68.9%+3.5pp | 79.8%-7.4pp | 70.8%+1.6pp |
| Annual return | 25.79% | 17.77%+8.0pp | 52.62%-26.8pp | 17.84%+7.9pp |
| Employer contribution / active EE | $2,301 | $2,819-18.4% | $4,767-51.7% | $2,790-17.5% |
| Participant deferral / active EE | $5,047 | $3,349+50.7% | $5,856-13.8% | $4,249+18.8% |
| Admin fee / account holder | $947 | $6,627-85.7% | $20,388-95.4% | $8,951-89.4% |