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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 | $46,844 | $57,541-18.6% | $95,740-51.1% | $75,173-37.7% |
| Participation rate | 78.0% | 62.5%+15.5pp | 72.3%+5.8pp | 67.2%+10.8pp |
| Annual return | 18.35% | 34.93%-16.6pp | 28.41%-10.1pp | 160.72%-142.4pp |
| Employer contribution / active EE | $2,139 | $1,808+18.3% | $2,836-24.6% | $2,671-19.9% |
| Participant deferral / active EE | $4,788 | $3,074+55.8% | $4,244+12.8% | $4,126+16.0% |
| Admin fee / account holder | $1,228 | $4,099-70.0% | $5,676-78.4% | $5,651-78.3% |