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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 | $33,376 | $72,269-53.8% | $101,271-67.0% | $79,852-58.2% |
| Participation rate | 70.4% | 68.5%+1.9pp | 75.8%-5.4pp | 69.6%+0.7pp |
| Annual return | 26.11% | 22.29%+3.8pp | 46.48%-20.4pp | 31.72%-5.6pp |
| Employer contribution / active EE | $2,918 | $2,692+8.4% | $3,660-20.3% | $2,471+18.1% |
| Participant deferral / active EE | $5,049 | $3,282+53.9% | $4,371+15.5% | $3,740+35.0% |
| Admin fee / account holder | $2,450 | $4,401-44.3% | $5,948-58.8% | $5,306-53.8% |