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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 | $55,878 | $58,493-4.5% | $84,023-33.5% | $72,976-23.4% |
| Participation rate | 77.8% | 61.2%+16.5pp | 69.0%+8.8pp | 69.5%+8.3pp |
| Annual return | 30.07% | 28.93%+1.1pp | 71.32%-41.2pp | 81.02%-50.9pp |
| Employer contribution / active EE | $1,406 | $1,163+20.9% | $1,984-29.1% | $2,440-42.4% |
| Participant deferral / active EE | $3,986 | $2,394+66.5% | $3,239+23.1% | $3,608+10.5% |
| Admin fee / account holder | $4,113 | $4,569-10.0% | $6,102-32.6% | $5,124-19.7% |