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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 | $45,499 | $94,031-51.6% | $115,768-60.7% | $82,448-44.8% |
| Participation rate | 96.6% | 70.4%+26.1pp | 74.4%+22.2pp | 68.1%+28.5pp |
| Annual return | 18.78% | 20.61%-1.8pp | 100.46%-81.7pp | 41.64%-22.9pp |
| Employer contribution / active EE | $1,553 | $2,323-33.2% | $2,940-47.2% | $2,551-39.1% |
| Participant deferral / active EE | $3,130 | $3,972-21.2% | $4,917-36.3% | $4,139-24.4% |
| Admin fee / account holder | $420 | $10,249-95.9% | $12,439-96.6% | $7,234-94.2% |