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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 | $50,300 | $76,367-34.1% | $93,609-46.3% | $72,986-31.1% |
| Participation rate | 89.7% | 71.7%+18.0pp | 75.8%+13.9pp | 69.5%+20.2pp |
| Annual return | 18.89% | 25.82%-6.9pp | 32.76%-13.9pp | 81.01%-62.1pp |
| Employer contribution / active EE | $1,981 | $2,275-12.9% | $2,718-27.1% | $2,440-18.8% |
| Participant deferral / active EE | $4,874 | $3,538+37.8% | $4,069+19.8% | $3,607+35.1% |
| Admin fee / account holder | $2,805 | $6,838-59.0% | $7,889-64.4% | $5,124-45.3% |