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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 | $47,095 | $108,825-56.7% | $156,181-69.8% | $82,448-42.9% |
| Participation rate | 98.5% | 72.4%+26.1pp | 78.8%+19.6pp | 68.1%+30.4pp |
| Annual return | 17.87% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.8pp |
| Employer contribution / active EE | $2,023 | $2,870-29.5% | $4,294-52.9% | $2,551-20.7% |
| Participant deferral / active EE | $4,466 | $4,577-2.4% | $6,132-27.2% | $4,139+7.9% |
| Admin fee / account holder | $1,865 | $9,341-80.0% | $14,586-87.2% | $7,234-74.2% |