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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 | $56,983 | $80,983-29.6% | $96,544-41.0% | $75,177-24.2% |
| Participation rate | 88.5% | 71.8%+16.7pp | 76.0%+12.5pp | 67.2%+21.3pp |
| Annual return | 18.26% | 27.05%-8.8pp | 25.88%-7.6pp | 160.75%-142.5pp |
| Employer contribution / active EE | $1,202 | $2,282-47.4% | $2,966-59.5% | $2,671-55.0% |
| Participant deferral / active EE | $5,396 | $3,929+37.4% | $4,851+11.2% | $4,126+30.8% |
| Admin fee / account holder | $1,545 | $6,717-77.0% | $8,254-81.3% | $5,651-72.7% |