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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 | $56,204 | $77,472-27.5% | $100,415-44.0% | $80,959-30.6% |
| Participation rate | 83.8% | 76.9%+6.8pp | 81.5%+2.3pp | 67.7%+16.1pp |
| Annual return | 15.90% | 37.26%-21.4pp | 49.47%-33.6pp | 35.67%-19.8pp |
| Employer contribution / active EE | $4,739 | $2,800+69.2% | $3,943+20.2% | $2,757+71.9% |
| Participant deferral / active EE | $9,691 | $6,818+42.1% | $8,091+19.8% | $4,300+125.4% |
| Admin fee / account holder | $4,504 | $5,885-23.5% | $7,906-43.0% | $6,925-35.0% |