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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 | $56,115 | $64,920-13.6% | $103,693-45.9% | $86,983-35.5% |
| Participation rate | 84.4% | 63.6%+20.8pp | 72.6%+11.7pp | 69.5%+14.8pp |
| Annual return | 18.67% | 30.29%-11.6pp | 47.61%-28.9pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,198 | $2,141-44.1% | $2,920-59.0% | $2,584-53.7% |
| Participant deferral / active EE | $2,598 | $3,241-19.9% | $4,579-43.3% | $4,194-38.1% |
| Admin fee / account holder | $805 | $6,191-87.0% | $7,858-89.8% | $7,856-89.8% |