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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 | $57,856 | $72,273-19.9% | $101,275-42.9% | $79,856-27.5% |
| Participation rate | 76.4% | 68.5%+7.9pp | 75.8%+0.6pp | 69.6%+6.7pp |
| Annual return | 20.57% | 22.30%-1.7pp | 46.48%-25.9pp | 31.71%-11.1pp |
| Employer contribution / active EE | $2,190 | $2,691-18.6% | $3,660-40.2% | $2,471-11.4% |
| Participant deferral / active EE | $4,766 | $3,282+45.2% | $4,371+9.0% | $3,741+27.4% |
| Admin fee / account holder | $2,791 | $4,401-36.6% | $5,948-53.1% | $5,306-47.4% |