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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 | $51,896 | $106,749-51.4% | $145,433-64.3% | $82,448-37.1% |
| Participation rate | 87.8% | 75.6%+12.2pp | 82.1%+5.7pp | 68.1%+19.8pp |
| Annual return | 19.67% | 27.59%-7.9pp | 66.58%-46.9pp | 41.64%-22.0pp |
| Employer contribution / active EE | $2,788 | $3,444-19.0% | $4,554-38.8% | $2,551+9.3% |
| Participant deferral / active EE | $5,772 | $6,519-11.5% | $7,897-26.9% | $4,139+39.4% |
| Admin fee / account holder | $4,486 | $8,390-46.5% | $13,129-65.8% | $7,234-38.0% |