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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 | $106,864-51.4% | $147,318-64.8% | $82,637-37.2% |
| Participation rate | 87.8% | 75.5%+12.3pp | 82.1%+5.8pp | 68.1%+19.8pp |
| Annual return | 19.67% | 27.49%-7.8pp | 70.43%-50.8pp | 53.51%-33.8pp |
| Employer contribution / active EE | $2,788 | $3,417-18.4% | $4,593-39.3% | $2,552+9.3% |
| Participant deferral / active EE | $5,772 | $6,496-11.1% | $7,906-27.0% | $4,126+39.9% |
| Admin fee / account holder | $4,486 | $8,415-46.7% | $13,708-67.3% | $7,339-38.9% |