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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 | $51,358 | $81,457-37.0% | $103,378-50.3% | $80,911-36.5% |
| Participation rate | 81.5% | 66.8%+14.6pp | 74.5%+7.0pp | 67.6%+13.8pp |
| Annual return | 14.72% | 25.58%-10.9pp | 24.91%-10.2pp | 35.63%-20.9pp |
| Employer contribution / active EE | $2,986 | $3,107-3.9% | $3,870-22.8% | $2,756+8.4% |
| Participant deferral / active EE | $5,195 | $3,871+34.2% | $5,058+2.7% | $4,297+20.9% |
| Admin fee / account holder | $1,171 | $6,717-82.6% | $8,401-86.1% | $6,935-83.1% |