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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 | $49,788 | $97,550-49.0% | $120,344-58.6% | $87,485-43.1% |
| Participation rate | 97.4% | 72.8%+24.5pp | 76.7%+20.7pp | 68.9%+28.4pp |
| Annual return | 17.59% | 18.41%-0.8pp | 20.30%-2.7pp | 26.06%-8.5pp |
| Employer contribution / active EE | $2,161 | $2,291-5.7% | $3,020-28.4% | $2,596-16.8% |
| Participant deferral / active EE | $4,310 | $4,230+1.9% | $5,135-16.1% | $4,274+0.9% |
| Admin fee / account holder | $4,600 | $9,543-51.8% | $12,742-63.9% | $7,775-40.8% |