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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 | $59,110 | $106,749-44.6% | $145,433-59.4% | $82,448-28.3% |
| Participation rate | 93.2% | 75.6%+17.5pp | 82.1%+11.1pp | 68.1%+25.1pp |
| Annual return | 19.52% | 27.59%-8.1pp | 66.58%-47.1pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,992 | $3,444-42.2% | $4,554-56.3% | $2,551-21.9% |
| Participant deferral / active EE | $7,725 | $6,519+18.5% | $7,897-2.2% | $4,139+86.6% |
| Admin fee / account holder | $3,915 | $8,390-53.3% | $13,129-70.2% | $7,234-45.9% |