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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 | $42,676 | $79,961-46.6% | $98,462-56.7% | $75,177-43.2% |
| Participation rate | 94.7% | 70.4%+24.4pp | 75.2%+19.6pp | 67.2%+27.5pp |
| Annual return | 20.86% | 19.75%+1.1pp | 21.17%-0.3pp | 160.75%-139.9pp |
| Employer contribution / active EE | $1,908 | $2,264-15.7% | $3,049-37.4% | $2,671-28.6% |
| Participant deferral / active EE | $4,075 | $3,753+8.6% | $4,738-14.0% | $4,126-1.3% |
| Admin fee / account holder | $1,493 | $6,842-78.2% | $8,875-83.2% | $5,651-73.6% |