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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 | $54,941 | $81,487-32.6% | $102,412-46.4% | $80,935-32.1% |
| Participation rate | 75.7% | 66.8%+8.8pp | 74.5%+1.2pp | 67.7%+8.0pp |
| Annual return | 27.30% | 25.60%+1.7pp | 24.94%+2.4pp | 35.66%-8.4pp |
| Employer contribution / active EE | $5,514 | $3,103+77.7% | $3,870+42.5% | $2,757+100.0% |
| Participant deferral / active EE | $3,665 | $3,871-5.3% | $5,060-27.6% | $4,299-14.8% |
| Admin fee / account holder | $2,900 | $6,717-56.8% | $8,388-65.4% | $6,924-58.1% |