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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 | $47,302 | $74,535-36.5% | $100,712-53.0% | $82,637-42.8% |
| Participation rate | 93.5% | 61.2%+32.4pp | 69.3%+24.3pp | 68.1%+25.5pp |
| Annual return | 22.31% | 18.92%+3.4pp | 33.27%-11.0pp | 53.51%-31.2pp |
| Employer contribution / active EE | $1,928 | $1,503+28.3% | $2,313-16.6% | $2,552-24.5% |
| Participant deferral / active EE | $3,290 | $3,074+7.0% | $4,085-19.5% | $4,126-20.3% |
| Admin fee / account holder | $2,073 | $6,576-68.5% | $9,256-77.6% | $7,339-71.7% |