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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 | $51,228 | $95,453-46.3% | $112,040-54.3% | $82,448-37.9% |
| Participation rate | 77.5% | 72.8%+4.7pp | 76.5%+1.0pp | 68.1%+9.4pp |
| Annual return | 13.88% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.8pp |
| Employer contribution / active EE | $8,170 | $2,318+252.5% | $2,954+176.6% | $2,551+220.3% |
| Participant deferral / active EE | $5,789 | $4,224+37.1% | $5,098+13.6% | $4,139+39.9% |
| Admin fee / account holder | $674 | $9,013-92.5% | $12,098-94.4% | $7,234-90.7% |