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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 | $45,374 | $63,355-28.4% | $91,994-50.7% | $72,983-37.8% |
| Participation rate | 87.1% | 72.5%+14.6pp | 78.6%+8.5pp | 69.5%+17.6pp |
| Annual return | 24.12% | 35.35%-11.2pp | 69.03%-44.9pp | 81.01%-56.9pp |
| Employer contribution / active EE | $4,382 | $2,116+107.1% | $3,452+26.9% | $2,440+79.6% |
| Participant deferral / active EE | $8,548 | $4,883+75.1% | $5,923+44.3% | $3,608+136.9% |
| Admin fee / account holder | $2,318 | $4,668-50.3% | $7,743-70.1% | $5,124-54.8% |