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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 | $56,387 | $95,453-40.9% | $112,040-49.7% | $82,448-31.6% |
| Participation rate | 78.5% | 72.8%+5.7pp | 76.5%+2.0pp | 68.1%+10.4pp |
| Annual return | 16.38% | 23.92%-7.5pp | 24.52%-8.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $5,083 | $2,318+119.3% | $2,954+72.1% | $2,551+99.3% |
| Participant deferral / active EE | $2,671 | $4,224-36.8% | $5,098-47.6% | $4,139-35.5% |
| Admin fee / account holder | $3,056 | $9,013-66.1% | $12,098-74.7% | $7,234-57.8% |