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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 | $47,168 | $95,453-50.6% | $112,040-57.9% | $82,448-42.8% |
| Participation rate | 92.9% | 72.8%+20.1pp | 76.5%+16.4pp | 68.1%+24.8pp |
| Annual return | 17.82% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,398 | $2,318-39.7% | $2,954-52.7% | $2,551-45.2% |
| Participant deferral / active EE | $4,639 | $4,224+9.8% | $5,098-9.0% | $4,139+12.1% |
| Admin fee / account holder | $1,435 | $9,013-84.1% | $12,098-88.1% | $7,234-80.2% |