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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 | $54,686 | $110,137-50.3% | $161,149-66.1% | $82,637-33.8% |
| Participation rate | 93.3% | 72.4%+21.0pp | 78.8%+14.5pp | 68.1%+25.3pp |
| Annual return | 22.08% | 20.69%+1.4pp | 21.16%+0.9pp | 53.51%-31.4pp |
| Employer contribution / active EE | $1,172 | $2,856-58.9% | $4,360-73.1% | $2,552-54.1% |
| Participant deferral / active EE | $4,731 | $4,575+3.4% | $6,153-23.1% | $4,126+14.7% |
| Admin fee / account holder | $2,594 | $9,467-72.6% | $15,194-82.9% | $7,339-64.7% |