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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 | $124,828 | $72,486+72.2% | $87,103+43.3% | $72,976+71.1% |
| Participation rate | 95.7% | 72.8%+22.8pp | 76.9%+18.8pp | 69.5%+26.2pp |
| Annual return | 20.22% | 24.46%-4.2pp | 28.19%-8.0pp | 81.02%-60.8pp |
| Employer contribution / active EE | $942 | $1,894-50.3% | $2,521-62.6% | $2,440-61.4% |
| Participant deferral / active EE | $2,780 | $3,270-15.0% | $4,049-31.3% | $3,608-22.9% |
| Admin fee / account holder | $959 | $5,055-81.0% | $7,491-87.2% | $5,124-81.3% |