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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 | $49,819 | $73,988-32.7% | $96,538-48.4% | $75,177-33.7% |
| Participation rate | 70.6% | 66.4%+4.2pp | 74.3%-3.8pp | 67.2%+3.4pp |
| Annual return | 15.64% | 26.73%-11.1pp | 35.74%-20.1pp | 160.75%-145.1pp |
| Employer contribution / active EE | $2,263 | $2,930-22.8% | $3,740-39.5% | $2,671-15.3% |
| Participant deferral / active EE | $5,334 | $3,660+45.7% | $4,880+9.3% | $4,126+29.3% |
| Admin fee / account holder | $6,072 | $5,220+16.3% | $6,737-9.9% | $5,651+7.4% |