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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 | $162,967-72.2% | $135,792-66.6% | $138,895-67.4% |
| Participation rate | 94.1% | 78.3%+15.8pp | 72.6%+21.5pp | 79.9%+14.2pp |
| Annual return | 16.77% | 30.08%-13.3pp | 25.96%-9.2pp | 145.39%-128.6pp |
| Employer contribution / active EE | $2,216 | $4,211-47.4% | $3,496-36.6% | $4,194-47.2% |
| Participant deferral / active EE | $5,421 | $5,640-3.9% | $4,759+13.9% | $6,396-15.2% |
| Admin fee / account holder | $2,544 | $15,306-83.4% | $12,266-79.3% | $12,562-79.8% |