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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 | $60,225 | $86,949-30.7% | $102,460-41.2% | $80,959-25.6% |
| Participation rate | 81.8% | 72.4%+9.4pp | 76.5%+5.3pp | 67.7%+14.2pp |
| Annual return | 14.68% | 18.89%-4.2pp | 29.47%-14.8pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,346 | $2,370-1.0% | $3,025-22.4% | $2,757-14.9% |
| Participant deferral / active EE | $5,515 | $4,121+33.8% | $5,056+9.1% | $4,300+28.2% |
| Admin fee / account holder | $1,491 | $8,048-81.5% | $9,460-84.2% | $6,925-78.5% |