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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 | $47,665 | $63,365-24.8% | $91,994-48.2% | $72,976-34.7% |
| Participation rate | 93.1% | 72.5%+20.6pp | 78.6%+14.5pp | 69.5%+23.6pp |
| Annual return | 23.30% | 35.35%-12.1pp | 69.04%-45.7pp | 81.02%-57.7pp |
| Employer contribution / active EE | $1,075 | $2,116-49.2% | $3,453-68.9% | $2,440-55.9% |
| Participant deferral / active EE | $5,133 | $4,883+5.1% | $5,924-13.3% | $3,608+42.3% |
| Admin fee / account holder | $803 | $4,670-82.8% | $7,744-89.6% | $5,124-84.3% |