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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 | $52,158 | $58,493-10.8% | $84,021-37.9% | $72,975-28.5% |
| Participation rate | 80.0% | 61.2%+18.8pp | 69.0%+11.0pp | 69.5%+10.5pp |
| Annual return | 20.67% | 28.93%-8.3pp | 71.32%-50.7pp | 81.01%-60.3pp |
| Employer contribution / active EE | $984 | $1,163-15.4% | $1,984-50.4% | $2,440-59.7% |
| Participant deferral / active EE | $3,282 | $2,394+37.1% | $3,239+1.3% | $3,608-9.0% |
| Admin fee / account holder | $7,714 | $4,569+68.9% | $6,102+26.4% | $5,124+50.6% |