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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 | $53,753 | $93,598-42.6% | $135,974-60.5% | $75,173-28.5% |
| Participation rate | 84.8% | 75.2%+9.7pp | 81.9%+2.9pp | 67.2%+17.6pp |
| Annual return | 17.40% | 30.89%-13.5pp | 68.30%-50.9pp | 160.72%-143.3pp |
| Employer contribution / active EE | $3,381 | $3,538-4.4% | $4,859-30.4% | $2,671+26.6% |
| Participant deferral / active EE | $8,389 | $6,405+31.0% | $7,760+8.1% | $4,126+103.3% |
| Admin fee / account holder | $5,878 | $6,978-15.8% | $10,767-45.4% | $5,651+4.0% |