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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 | $50,632 | $103,392-51.0% | $87,104-41.9% | $152,897-66.9% |
| Participation rate | 91.7% | 79.4%+12.3pp | 76.9%+14.8pp | 82.5%+9.2pp |
| Annual return | 27.12% | 28.10%-1.0pp | 28.19%-1.1pp | 345.43%-318.3pp |
| Employer contribution / active EE | $1,708 | $3,221-47.0% | $2,521-32.3% | $4,764-64.1% |
| Participant deferral / active EE | $4,197 | $4,778-12.2% | $4,048+3.7% | $5,851-28.3% |
| Admin fee / account holder | $1,871 | $12,194-84.7% | $7,491-75.0% | $11,599-83.9% |