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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 | $54,427 | $63,904-14.8% | $89,340-39.1% | $67,986-19.9% |
| Participation rate | 74.0% | 54.3%+19.7pp | 69.6%+4.4pp | 57.2%+16.8pp |
| Annual return | 35.85% | 18.09%+17.8pp | 20.57%+15.3pp | 31.67%+4.2pp |
| Employer contribution / active EE | $1,688 | $1,627+3.7% | $2,231-24.3% | $2,019-16.4% |
| Participant deferral / active EE | $3,195 | $2,691+18.7% | $3,823-16.4% | $3,358-4.9% |
| Admin fee / account holder | $8,782 | $3,315+165.0% | $6,704+31.0% | $3,203+174.2% |