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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 | $38,719 | $64,359-39.8% | $90,161-57.1% | $70,126-44.8% |
| Participation rate | 79.3% | 70.4%+8.9pp | 76.9%+2.4pp | 69.5%+9.8pp |
| Annual return | 23.87% | 28.13%-4.3pp | 34.89%-11.0pp | 73.15%-49.3pp |
| Employer contribution / active EE | $2,707 | $2,046+32.3% | $3,318-18.4% | $2,343+15.6% |
| Participant deferral / active EE | $5,528 | $4,389+25.9% | $5,287+4.5% | $3,332+65.9% |
| Admin fee / account holder | $7,050 | $3,945+78.7% | $5,943+18.6% | $4,645+51.8% |