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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 | $52,683 | $95,453-44.8% | $112,040-53.0% | $82,448-36.1% |
| Participation rate | 94.4% | 72.8%+21.7pp | 76.5%+18.0pp | 68.1%+26.4pp |
| Annual return | 13.48% | 23.92%-10.4pp | 24.52%-11.0pp | 41.64%-28.2pp |
| Employer contribution / active EE | $737 | $2,318-68.2% | $2,954-75.0% | $2,551-71.1% |
| Participant deferral / active EE | $4,223 | $4,2240% | $5,098-17.2% | $4,139+2.0% |
| Admin fee / account holder | $2,824 | $9,013-68.7% | $12,098-76.7% | $7,234-61.0% |