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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 | $51,180 | $145,431-64.8% | $211,142-75.8% | $87,485-41.5% |
| Participation rate | 88.6% | 84.7%+3.9pp | 87.3%+1.3pp | 68.9%+19.7pp |
| Annual return | 21.61% | 27.21%-5.6pp | 46.84%-25.2pp | 26.06%-4.5pp |
| Employer contribution / active EE | $3,230 | $4,662-30.7% | $6,442-49.9% | $2,596+24.4% |
| Participant deferral / active EE | $6,505 | $6,859-5.2% | $9,284-29.9% | $4,274+52.2% |
| Admin fee / account holder | $845 | $17,052-95.0% | $19,076-95.6% | $7,775-89.1% |