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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 | $95,404-40.9% | $113,397-50.3% | $82,637-31.8% |
| Participation rate | 78.5% | 72.8%+5.6pp | 76.5%+2.0pp | 68.1%+10.4pp |
| Annual return | 16.38% | 19.08%-2.7pp | 23.20%-6.8pp | 53.51%-37.1pp |
| Employer contribution / active EE | $5,083 | $2,307+120.4% | $2,977+70.7% | $2,552+99.2% |
| Participant deferral / active EE | $2,671 | $4,220-36.7% | $5,076-47.4% | $4,126-35.3% |
| Admin fee / account holder | $3,056 | $9,168-66.7% | $11,957-74.4% | $7,339-58.4% |