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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 | $53,908 | $76,834-29.8% | $108,359-50.3% | $87,485-38.4% |
| Participation rate | 85.3% | 61.7%+23.6pp | 70.1%+15.2pp | 68.9%+16.4pp |
| Annual return | 14.05% | 19.09%-5.0pp | 36.89%-22.8pp | 26.06%-12.0pp |
| Employer contribution / active EE | $1,761 | $1,556+13.1% | $2,399-26.6% | $2,596-32.2% |
| Participant deferral / active EE | $4,822 | $3,100+55.5% | $4,137+16.5% | $4,274+12.8% |
| Admin fee / account holder | $8,811 | $6,537+34.8% | $9,741-9.6% | $7,775+13.3% |