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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 | $58,868 | $47,848+23.0% | $81,473-27.7% | $70,126-16.1% |
| Participation rate | 84.8% | 58.3%+26.5pp | 68.0%+16.8pp | 69.5%+15.2pp |
| Annual return | 17.16% | 27.25%-10.1pp | 38.78%-21.6pp | 73.15%-56.0pp |
| Employer contribution / active EE | $2,550 | $1,527+67.0% | $2,568-0.7% | $2,343+8.8% |
| Participant deferral / active EE | $4,936 | $2,453+101.2% | $3,537+39.5% | $3,332+48.1% |
| Admin fee / account holder | $5,804 | $3,145+84.5% | $4,561+27.2% | $4,645+24.9% |