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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 | $42,252 | $80,992-47.8% | $96,534-56.2% | $75,173-43.8% |
| Participation rate | 88.6% | 71.8%+16.8pp | 76.0%+12.7pp | 67.2%+21.4pp |
| Annual return | 20.57% | 27.05%-6.5pp | 25.88%-5.3pp | 160.72%-140.2pp |
| Employer contribution / active EE | $3,078 | $2,283+34.9% | $2,965+3.8% | $2,671+15.2% |
| Participant deferral / active EE | $5,462 | $3,929+39.0% | $4,851+12.6% | $4,126+32.4% |
| Admin fee / account holder | $1,515 | $6,717-77.5% | $8,253-81.6% | $5,651-73.2% |