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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 | $52,301 | $81,331-35.7% | $155,534-66.4% | $80,935-35.4% |
| Participation rate | 79.2% | 66.3%+12.9pp | 78.2%+0.9pp | 67.7%+11.5pp |
| Annual return | 14.21% | 33.37%-19.2pp | 64.92%-50.7pp | 35.66%-21.4pp |
| Employer contribution / active EE | $2,771 | $3,105-10.7% | $4,675-40.7% | $2,757+0.5% |
| Participant deferral / active EE | $6,384 | $3,454+84.8% | $5,630+13.4% | $4,299+48.5% |
| Admin fee / account holder | $2,335 | $7,999-70.8% | $15,900-85.3% | $6,924-66.3% |