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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 | $51,063 | $73,787-30.8% | $98,716-48.3% | $82,448-38.1% |
| Participation rate | 75.9% | 61.4%+14.5pp | 69.3%+6.6pp | 68.1%+7.8pp |
| Annual return | 18.20% | 18.57%-0.4pp | 31.81%-13.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,035 | $1,511+34.7% | $2,279-10.7% | $2,551-20.2% |
| Participant deferral / active EE | $5,059 | $3,081+64.2% | $4,048+25.0% | $4,139+22.2% |
| Admin fee / account holder | $1,613 | $6,500-75.2% | $8,703-81.5% | $7,234-77.7% |