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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 | $44,603 | $58,099-23.2% | $76,872-42.0% | $75,173-40.7% |
| Participation rate | 70.4% | 63.9%+6.5pp | 69.6%+0.8pp | 67.2%+3.2pp |
| Annual return | 18.24% | 26.71%-8.5pp | 37.90%-19.7pp | 160.72%-142.5pp |
| Employer contribution / active EE | $2,813 | $1,996+41.0% | $2,533+11.0% | $2,671+5.3% |
| Participant deferral / active EE | $5,935 | $2,999+97.9% | $3,832+54.9% | $4,126+43.8% |
| Admin fee / account holder | $1,151 | $4,778-75.9% | $5,476-79.0% | $5,651-79.6% |