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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 | $50,968 | $72,027-29.2% | $185,861-72.6% | $79,856-36.2% |
| Participation rate | 81.4% | 65.8%+15.7pp | 78.0%+3.4pp | 69.6%+11.8pp |
| Annual return | 22.52% | 23.13%-0.6pp | 35.96%-13.4pp | 31.71%-9.2pp |
| Employer contribution / active EE | $2,940 | $1,965+49.6% | $4,088-28.1% | $2,471+19.0% |
| Participant deferral / active EE | $8,015 | $3,780+112.1% | $5,634+42.3% | $3,741+114.3% |
| Admin fee / account holder | $5,211 | $4,513+15.5% | $9,503-45.2% | $5,306-1.8% |