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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 | $49,918 | $80,992-38.4% | $96,534-48.3% | $75,173-33.6% |
| Participation rate | 91.7% | 71.8%+19.9pp | 76.0%+15.7pp | 67.2%+24.5pp |
| Annual return | 19.68% | 27.05%-7.4pp | 25.88%-6.2pp | 160.72%-141.0pp |
| Employer contribution / active EE | $2,402 | $2,283+5.2% | $2,965-19.0% | $2,671-10.1% |
| Participant deferral / active EE | $5,150 | $3,929+31.1% | $4,851+6.2% | $4,126+24.8% |
| Admin fee / account holder | $573 | $6,717-91.5% | $8,253-93.1% | $5,651-89.9% |