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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 | $50,104 | $56,287-11.0% | $80,977-38.1% | $62,881-20.3% |
| Participation rate | 71.2% | 68.9%+2.2pp | 75.8%-4.6pp | 69.3%+1.9pp |
| Annual return | 21.27% | 22.13%-0.9pp | 17.11%+4.2pp | 20.14%+1.1pp |
| Employer contribution / active EE | $2,240 | $1,943+15.3% | $3,715-39.7% | $2,281-1.8% |
| Participant deferral / active EE | $4,386 | $4,196+4.5% | $5,696-23.0% | $3,203+36.9% |
| Admin fee / account holder | $2,413 | $3,742-35.5% | $5,517-56.3% | $4,296-43.8% |