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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 | $49,958 | $57,541-13.2% | $95,759-47.8% | $75,177-33.5% |
| Participation rate | 79.3% | 62.5%+16.8pp | 72.3%+7.1pp | 67.2%+12.1pp |
| Annual return | 16.50% | 34.93%-18.4pp | 28.42%-11.9pp | 160.75%-144.3pp |
| Employer contribution / active EE | $1,460 | $1,808-19.2% | $2,836-48.5% | $2,671-45.3% |
| Participant deferral / active EE | $4,617 | $3,074+50.2% | $4,244+8.8% | $4,126+11.9% |
| Admin fee / account holder | $844 | $4,099-79.4% | $5,678-85.1% | $5,651-85.1% |