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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 | $49,168 | $81,457-39.6% | $103,378-52.4% | $80,911-39.2% |
| Participation rate | 71.9% | 66.8%+5.0pp | 74.5%-2.6pp | 67.6%+4.2pp |
| Annual return | 20.74% | 25.58%-4.8pp | 24.91%-4.2pp | 35.63%-14.9pp |
| Employer contribution / active EE | $10,984 | $3,107+253.5% | $3,870+183.8% | $2,756+298.6% |
| Participant deferral / active EE | $2,065 | $3,871-46.7% | $5,058-59.2% | $4,297-52.0% |
| Admin fee / account holder | $5,888 | $6,717-12.3% | $8,401-29.9% | $6,935-15.1% |