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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 | $54,303 | $72,269-24.9% | $101,271-46.4% | $79,852-32.0% |
| Participation rate | 77.3% | 68.5%+8.9pp | 75.8%+1.5pp | 69.6%+7.7pp |
| Annual return | 18.66% | 22.29%-3.6pp | 46.48%-27.8pp | 31.72%-13.1pp |
| Employer contribution / active EE | $2,641 | $2,692-1.9% | $3,660-27.8% | $2,471+6.9% |
| Participant deferral / active EE | $5,080 | $3,282+54.8% | $4,371+16.2% | $3,740+35.8% |
| Admin fee / account holder | $3,234 | $4,401-26.5% | $5,948-45.6% | $5,306-39.0% |