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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 | $45,328 | $161,352-71.9% | $134,172-66.2% | $137,256-67.0% |
| Participation rate | 94.1% | 78.3%+15.8pp | 72.5%+21.7pp | 80.0%+14.2pp |
| Annual return | 16.77% | 28.72%-11.9pp | 25.30%-8.5pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,216 | $4,099-45.9% | $3,420-35.2% | $4,156-46.7% |
| Participant deferral / active EE | $5,421 | $5,552-2.4% | $4,690+15.6% | $6,407-15.4% |
| Admin fee / account holder | $2,544 | $15,028-83.1% | $12,016-78.8% | $12,270-79.3% |