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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 | $51,359 | $80,985-36.6% | $96,576-46.8% | $75,181-31.7% |
| Participation rate | 96.4% | 71.8%+24.6pp | 76.0%+20.4pp | 67.2%+29.2pp |
| Annual return | 15.28% | 27.05%-11.8pp | 25.87%-10.6pp | 160.69%-145.4pp |
| Employer contribution / active EE | $1,812 | $2,282-20.6% | $2,965-38.9% | $2,671-32.1% |
| Participant deferral / active EE | $7,930 | $3,929+101.8% | $4,851+63.5% | $4,126+92.2% |
| Admin fee / account holder | $5,303 | $6,719-21.1% | $8,253-35.7% | $5,650-6.1% |