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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 | $43,027 | $72,273-40.5% | $101,275-57.5% | $79,856-46.1% |
| Participation rate | 92.0% | 68.5%+23.5pp | 75.8%+16.2pp | 69.6%+22.4pp |
| Annual return | 15.81% | 22.30%-6.5pp | 46.48%-30.7pp | 31.71%-15.9pp |
| Employer contribution / active EE | $2,577 | $2,691-4.2% | $3,660-29.6% | $2,471+4.3% |
| Participant deferral / active EE | $4,586 | $3,282+39.7% | $4,371+4.9% | $3,741+22.6% |
| Admin fee / account holder | $475 | $4,401-89.2% | $5,948-92.0% | $5,306-91.0% |