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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 | $50,575 | $106,280-52.4% | $96,538-47.6% | $139,487-63.7% |
| Participation rate | 95.0% | 77.8%+17.2pp | 74.3%+20.7pp | 80.3%+14.7pp |
| Annual return | 16.30% | 38.48%-22.2pp | 35.74%-19.4pp | 373.84%-357.5pp |
| Employer contribution / active EE | $1,923 | $4,107-53.2% | $3,740-48.6% | $4,755-59.6% |
| Participant deferral / active EE | $3,065 | $5,457-43.8% | $4,880-37.2% | $6,713-54.3% |
| Admin fee / account holder | $2,242 | $7,888-71.6% | $6,737-66.7% | $11,407-80.3% |