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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 | $57,325 | $87,733-34.7% | $106,555-46.2% | $85,847-33.2% |
| Participation rate | 96.2% | 71.9%+24.2pp | 76.1%+20.0pp | 69.3%+26.8pp |
| Annual return | 11.13% | 21.86%-10.7pp | 26.80%-15.7pp | 318.61%-307.5pp |
| Employer contribution / active EE | $954 | $2,073-54.0% | $2,819-66.2% | $2,565-62.8% |
| Participant deferral / active EE | $4,619 | $3,469+33.2% | $4,399+5.0% | $3,952+16.9% |
| Admin fee / account holder | $1,231 | $6,767-81.8% | $7,408-83.4% | $6,261-80.3% |