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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 | $49,947 | $146,267-65.9% | $197,124-74.7% | $82,448-39.4% |
| Participation rate | 92.9% | 84.0%+8.8pp | 86.7%+6.1pp | 68.1%+24.8pp |
| Annual return | 23.14% | 29.61%-6.5pp | 44.34%-21.2pp | 41.64%-18.5pp |
| Employer contribution / active EE | $5,703 | $4,723+20.7% | $6,227-8.4% | $2,551+123.6% |
| Participant deferral / active EE | $8,741 | $7,035+24.2% | $9,135-4.3% | $4,139+111.2% |
| Admin fee / account holder | $365 | $14,422-97.5% | $16,298-97.8% | $7,234-95.0% |