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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 | $33,364 | $80,992-58.8% | $96,534-65.4% | $75,173-55.6% |
| Participation rate | 81.1% | 71.8%+9.3pp | 76.0%+5.1pp | 67.2%+13.9pp |
| Annual return | 21.42% | 27.05%-5.6pp | 25.88%-4.5pp | 160.72%-139.3pp |
| Employer contribution / active EE | $1,986 | $2,283-13.0% | $2,965-33.0% | $2,671-25.6% |
| Participant deferral / active EE | $5,205 | $3,929+32.5% | $4,851+7.3% | $4,126+26.2% |
| Admin fee / account holder | $845 | $6,717-87.4% | $8,253-89.8% | $5,651-85.1% |