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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 | $43,811 | $95,453-54.1% | $112,040-60.9% | $82,448-46.9% |
| Participation rate | 80.2% | 72.8%+7.5pp | 76.5%+3.7pp | 68.1%+12.2pp |
| Annual return | 19.55% | 23.92%-4.4pp | 24.52%-5.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,929 | $2,318-16.8% | $2,954-34.7% | $2,551-24.4% |
| Participant deferral / active EE | $3,630 | $4,224-14.0% | $5,098-28.8% | $4,139-12.3% |
| Admin fee / account holder | $2,246 | $9,013-75.1% | $12,098-81.4% | $7,234-69.0% |