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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 | $51,297 | $110,137-53.4% | $161,149-68.2% | $82,637-37.9% |
| Participation rate | 95.0% | 72.4%+22.6pp | 78.8%+16.2pp | 68.1%+26.9pp |
| Annual return | 15.27% | 20.69%-5.4pp | 21.16%-5.9pp | 53.51%-38.2pp |
| Employer contribution / active EE | $2,425 | $2,856-15.1% | $4,360-44.4% | $2,552-5.0% |
| Participant deferral / active EE | $3,393 | $4,575-25.8% | $6,153-44.9% | $4,126-17.8% |
| Admin fee / account holder | $1,453 | $9,467-84.7% | $15,194-90.4% | $7,339-80.2% |