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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 | $55,755 | $72,269-22.9% | $101,271-44.9% | $79,852-30.2% |
| Participation rate | 70.7% | 68.5%+2.2pp | 75.8%-5.1pp | 69.6%+1.1pp |
| Annual return | 23.59% | 22.29%+1.3pp | 46.48%-22.9pp | 31.72%-8.1pp |
| Employer contribution / active EE | $5,322 | $2,692+97.7% | $3,660+45.4% | $2,471+115.4% |
| Participant deferral / active EE | $5,239 | $3,282+59.6% | $4,371+19.9% | $3,740+40.1% |
| Admin fee / account holder | $1,028 | $4,401-76.6% | $5,948-82.7% | $5,306-80.6% |