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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 | $56,482 | $106,864-47.1% | $147,318-61.7% | $82,637-31.7% |
| Participation rate | 94.2% | 75.5%+18.7pp | 82.1%+12.2pp | 68.1%+26.2pp |
| Annual return | 19.42% | 27.49%-8.1pp | 70.43%-51.0pp | 53.51%-34.1pp |
| Employer contribution / active EE | $3,050 | $3,417-10.7% | $4,593-33.6% | $2,552+19.5% |
| Participant deferral / active EE | $5,459 | $6,496-16.0% | $7,906-31.0% | $4,126+32.3% |
| Admin fee / account holder | $2,768 | $8,415-67.1% | $13,708-79.8% | $7,339-62.3% |