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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 | $51,791 | $106,524-51.4% | $152,301-66.0% | $87,485-40.8% |
| Participation rate | 92.9% | 75.8%+17.1pp | 82.4%+10.4pp | 68.9%+23.9pp |
| Annual return | 19.04% | 26.89%-7.9pp | 80.50%-61.5pp | 26.06%-7.0pp |
| Employer contribution / active EE | $2,623 | $3,371-22.2% | $4,624-43.3% | $2,596+1.0% |
| Participant deferral / active EE | $7,193 | $6,525+10.2% | $8,004-10.1% | $4,274+68.3% |
| Admin fee / account holder | $1,834 | $8,287-77.9% | $14,398-87.3% | $7,775-76.4% |