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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 | $53,423 | $100,194-46.7% | $122,979-56.6% | $86,983-38.6% |
| Participation rate | 84.4% | 73.0%+11.4pp | 77.2%+7.2pp | 69.5%+14.8pp |
| Annual return | 13.21% | 16.47%-3.3pp | 20.12%-6.9pp | 25.83%-12.6pp |
| Employer contribution / active EE | $2,429 | $2,326+4.5% | $3,062-20.7% | $2,584-6.0% |
| Participant deferral / active EE | $6,310 | $4,133+52.7% | $5,003+26.1% | $4,194+50.5% |
| Admin fee / account holder | $1,851 | $10,148-81.8% | $12,864-85.6% | $7,856-76.4% |