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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 | $77,814-38.1% | $158,223-69.6% | $86,983-44.6% |
| Participation rate | 78.6% | 68.4%+10.2pp | 79.2%-0.6pp | 69.5%+9.0pp |
| Annual return | 22.08% | 30.54%-8.5pp | 52.09%-30.0pp | 25.83%-3.8pp |
| Employer contribution / active EE | $2,092 | $2,592-19.3% | $4,109-49.1% | $2,584-19.1% |
| Participant deferral / active EE | $4,937 | $3,270+51.0% | $5,467-9.7% | $4,194+17.7% |
| Admin fee / account holder | $557 | $5,879-90.5% | $16,047-96.5% | $7,856-92.9% |