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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 | $48,168 | $86,050-44.0% | $189,758-74.6% | $94,015-48.8% |
| Participation rate | 78.6% | 68.9%+9.7pp | 79.8%-1.2pp | 70.8%+7.8pp |
| Annual return | 22.08% | 17.77%+4.3pp | 52.62%-30.5pp | 17.84%+4.2pp |
| Employer contribution / active EE | $2,092 | $2,819-25.8% | $4,767-56.1% | $2,790-25.0% |
| Participant deferral / active EE | $4,937 | $3,349+47.4% | $5,856-15.7% | $4,249+16.2% |
| Admin fee / account holder | $557 | $6,627-91.6% | $20,388-97.3% | $8,951-93.8% |