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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 | $49,598 | $124,425-60.1% | $112,040-55.7% | $137,256-63.9% |
| Participation rate | 94.7% | 79.3%+15.4pp | 76.5%+18.2pp | 80.0%+14.8pp |
| Annual return | 18.51% | 24.72%-6.2pp | 24.52%-6.0pp | 220.34%-201.8pp |
| Employer contribution / active EE | $1,964 | $3,411-42.4% | $2,954-33.5% | $4,156-52.7% |
| Participant deferral / active EE | $5,744 | $5,718+0.4% | $5,098+12.7% | $6,407-10.3% |
| Admin fee / account holder | $4,120 | $15,207-72.9% | $12,098-65.9% | $12,270-66.4% |