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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 | $45,636 | $80,985-43.6% | $96,576-52.7% | $75,181-39.3% |
| Participation rate | 88.5% | 71.8%+16.7pp | 76.0%+12.5pp | 67.2%+21.3pp |
| Annual return | 22.45% | 27.05%-4.6pp | 25.87%-3.4pp | 160.69%-138.2pp |
| Employer contribution / active EE | $5,474 | $2,282+139.8% | $2,965+84.6% | $2,671+105.0% |
| Participant deferral / active EE | $3,090 | $3,929-21.4% | $4,851-36.3% | $4,126-25.1% |
| Admin fee / account holder | $1,400 | $6,719-79.2% | $8,253-83.0% | $5,650-75.2% |