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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 | $45,756 | $126,661-63.9% | $113,397-59.6% | $138,895-67.1% |
| Participation rate | 92.3% | 79.4%+12.9pp | 76.5%+15.8pp | 79.9%+12.4pp |
| Annual return | 18.73% | 25.05%-6.3pp | 23.20%-4.5pp | 145.39%-126.7pp |
| Employer contribution / active EE | $1,860 | $3,456-46.2% | $2,977-37.5% | $4,194-55.7% |
| Participant deferral / active EE | $4,721 | $5,693-17.1% | $5,076-7.0% | $6,396-26.2% |
| Admin fee / account holder | $5,253 | $14,549-63.9% | $11,957-56.1% | $12,562-58.2% |