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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 | $31,828 | $84,953-62.5% | $163,379-80.5% | $82,637-61.5% |
| Participation rate | 91.8% | 65.9%+25.9pp | 76.8%+15.0pp | 68.1%+23.8pp |
| Annual return | 20.73% | 23.07%-2.3pp | 63.41%-42.7pp | 53.51%-32.8pp |
| Employer contribution / active EE | $2,159 | $2,183-1.1% | $3,752-42.5% | $2,552-15.4% |
| Participant deferral / active EE | $4,999 | $4,326+15.6% | $6,282-20.4% | $4,126+21.2% |
| Admin fee / account holder | $5,804 | $7,921-26.7% | $9,818-40.9% | $7,339-20.9% |