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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 | $48,105 | $83,485-42.4% | $125,192-61.6% | $72,975-34.1% |
| Participation rate | 84.1% | 73.3%+10.8pp | 79.8%+4.3pp | 69.5%+14.6pp |
| Annual return | 23.87% | 25.77%-1.9pp | 43.79%-19.9pp | 81.01%-57.1pp |
| Employer contribution / active EE | $2,243 | $2,346-4.4% | $3,866-42.0% | $2,440-8.1% |
| Participant deferral / active EE | $5,965 | $3,586+66.3% | $4,937+20.8% | $3,608+65.3% |
| Admin fee / account holder | $893 | $5,518-83.8% | $9,704-90.8% | $5,124-82.6% |