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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 | $60,743 | $110,137-44.8% | $161,149-62.3% | $82,637-26.5% |
| Participation rate | 83.3% | 72.4%+11.0pp | 78.8%+4.5pp | 68.1%+15.3pp |
| Annual return | 16.85% | 20.69%-3.8pp | 21.16%-4.3pp | 53.51%-36.7pp |
| Employer contribution / active EE | $3,106 | $2,856+8.8% | $4,360-28.8% | $2,552+21.7% |
| Participant deferral / active EE | $6,362 | $4,575+39.1% | $6,153+3.4% | $4,126+54.2% |
| Admin fee / account holder | $5,644 | $9,467-40.4% | $15,194-62.9% | $7,339-23.1% |