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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 | $54,108 | $72,012-24.9% | $185,827-70.9% | $79,858-32.2% |
| Participation rate | 95.0% | 65.8%+29.2pp | 78.0%+17.0pp | 69.6%+25.4pp |
| Annual return | 20.85% | 23.12%-2.3pp | 35.96%-15.1pp | 31.72%-10.9pp |
| Employer contribution / active EE | $1,904 | $1,965-3.1% | $4,087-53.4% | $2,471-22.9% |
| Participant deferral / active EE | $4,634 | $3,779+22.6% | $5,633-17.7% | $3,740+23.9% |
| Admin fee / account holder | $1,456 | $4,513-67.7% | $9,502-84.7% | $5,306-72.6% |