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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 | $48,607 | $87,106-44.2% | $105,607-54.0% | $80,935-39.9% |
| Participation rate | 77.8% | 70.4%+7.3pp | 75.3%+2.5pp | 67.7%+10.1pp |
| Annual return | 16.05% | 17.01%-1.0pp | 116.11%-100.1pp | 35.66%-19.6pp |
| Employer contribution / active EE | $3,337 | $2,396+39.3% | $3,167+5.4% | $2,757+21.1% |
| Participant deferral / active EE | $5,625 | $3,986+41.1% | $5,011+12.2% | $4,299+30.8% |
| Admin fee / account holder | $5,686 | $8,447-32.7% | $10,958-48.1% | $6,924-17.9% |