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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 | $48,408 | $136,860-64.6% | $120,344-59.8% | $154,746-68.7% |
| Participation rate | 94.4% | 79.9%+14.6pp | 76.7%+17.7pp | 80.7%+13.7pp |
| Annual return | 12.08% | 21.38%-9.3pp | 20.30%-8.2pp | 172.34%-160.3pp |
| Employer contribution / active EE | $5,065 | $3,533+43.4% | $3,020+67.7% | $4,379+15.7% |
| Participant deferral / active EE | $4,377 | $5,793-24.5% | $5,135-14.8% | $6,730-35.0% |
| Admin fee / account holder | $4,663 | $15,393-69.7% | $12,742-63.4% | $14,365-67.5% |