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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 | $47,025 | $61,390-23.4% | $112,228-58.1% | $75,177-37.4% |
| Participation rate | 83.1% | 61.6%+21.4pp | 72.4%+10.6pp | 67.2%+15.8pp |
| Annual return | 21.64% | 28.47%-6.8pp | 30.23%-8.6pp | 160.75%-139.1pp |
| Employer contribution / active EE | $2,562 | $2,015+27.2% | $3,432-25.3% | $2,671-4.1% |
| Participant deferral / active EE | $6,501 | $3,108+109.2% | $4,800+35.4% | $4,126+57.5% |
| Admin fee / account holder | $9,950 | $4,862+104.7% | $7,752+28.4% | $5,651+76.1% |