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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 | $49,376 | $106,524-53.6% | $152,301-67.6% | $87,485-43.6% |
| Participation rate | 90.0% | 75.8%+14.2pp | 82.4%+7.6pp | 68.9%+21.1pp |
| Annual return | 18.63% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.4pp |
| Employer contribution / active EE | $3,949 | $3,371+17.1% | $4,624-14.6% | $2,596+52.1% |
| Participant deferral / active EE | $6,179 | $6,525-5.3% | $8,004-22.8% | $4,274+44.6% |
| Admin fee / account holder | $2,123 | $8,287-74.4% | $14,398-85.3% | $7,775-72.7% |