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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 | $54,855 | $76,371-28.2% | $93,621-41.4% | $72,975-24.8% |
| Participation rate | 96.7% | 71.8%+24.9pp | 75.8%+20.8pp | 69.5%+27.2pp |
| Annual return | 22.38% | 25.82%-3.4pp | 32.76%-10.4pp | 81.01%-58.6pp |
| Employer contribution / active EE | $1,575 | $2,276-30.8% | $2,719-42.0% | $2,440-35.4% |
| Participant deferral / active EE | $3,811 | $3,538+7.7% | $4,070-6.4% | $3,608+5.6% |
| Admin fee / account holder | $9,291 | $6,839+35.8% | $7,890+17.8% | $5,124+81.3% |