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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 | $58,521 | $101,778-42.5% | $164,975-64.5% | $80,925-27.7% |
| Participation rate | 72.5% | 71.8%+0.7pp | 78.6%-6.1pp | 67.7%+4.8pp |
| Annual return | 15.18% | 16.73%-1.5pp | 70.12%-54.9pp | 35.65%-20.5pp |
| Employer contribution / active EE | $2,890 | $2,954-2.2% | $4,343-33.5% | $2,756+4.8% |
| Participant deferral / active EE | $5,912 | $4,477+32.1% | $6,033-2.0% | $4,299+37.5% |
| Admin fee / account holder | $2,517 | $8,221-69.4% | $12,688-80.2% | $6,940-63.7% |