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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 | $56,503 | $95,404-40.8% | $113,397-50.2% | $82,637-31.6% |
| Participation rate | 83.8% | 72.8%+11.0pp | 76.5%+7.3pp | 68.1%+15.7pp |
| Annual return | 13.88% | 19.08%-5.2pp | 23.20%-9.3pp | 53.51%-39.6pp |
| Employer contribution / active EE | $1,920 | $2,307-16.8% | $2,977-35.5% | $2,552-24.8% |
| Participant deferral / active EE | $5,845 | $4,220+38.5% | $5,076+15.1% | $4,126+41.7% |
| Admin fee / account holder | $2,865 | $9,168-68.7% | $11,957-76.0% | $7,339-61.0% |