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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 | $60,165 | $72,486-17.0% | $87,103-30.9% | $72,976-17.6% |
| Participation rate | 86.5% | 72.8%+13.7pp | 76.9%+9.6pp | 69.5%+17.0pp |
| Annual return | 22.59% | 24.46%-1.9pp | 28.19%-5.6pp | 81.02%-58.4pp |
| Employer contribution / active EE | $2,289 | $1,894+20.9% | $2,521-9.2% | $2,440-6.2% |
| Participant deferral / active EE | $3,676 | $3,270+12.4% | $4,049-9.2% | $3,608+1.9% |
| Admin fee / account holder | $4,850 | $5,055-4.0% | $7,491-35.3% | $5,124-5.3% |