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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 | $55,562 | $67,602-17.8% | $82,312-32.5% | $70,126-20.8% |
| Participation rate | 77.0% | 72.8%+4.3pp | 76.9%+0.1pp | 69.5%+7.5pp |
| Annual return | 15.54% | 21.57%-6.0pp | 25.88%-10.3pp | 73.15%-57.6pp |
| Employer contribution / active EE | $3,457 | $1,755+97.0% | $2,428+42.4% | $2,343+47.6% |
| Participant deferral / active EE | $2,207 | $2,987-26.1% | $3,706-40.4% | $3,332-33.8% |
| Admin fee / account holder | $1,255 | $4,512-72.2% | $5,608-77.6% | $4,645-73.0% |