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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 | $57,924 | $72,486-20.1% | $87,103-33.5% | $72,976-20.6% |
| Participation rate | 89.2% | 72.8%+16.4pp | 76.9%+12.3pp | 69.5%+19.7pp |
| Annual return | 25.52% | 24.46%+1.1pp | 28.19%-2.7pp | 81.02%-55.5pp |
| Employer contribution / active EE | $2,751 | $1,894+45.2% | $2,521+9.1% | $2,440+12.7% |
| Participant deferral / active EE | $4,904 | $3,270+50.0% | $4,049+21.1% | $3,608+35.9% |
| Admin fee / account holder | $1,238 | $5,055-75.5% | $7,491-83.5% | $5,124-75.8% |