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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 | $48,828 | $124,425-60.8% | $112,040-56.4% | $137,256-64.4% |
| Participation rate | 88.2% | 79.3%+8.9pp | 76.5%+11.7pp | 80.0%+8.3pp |
| Annual return | 16.19% | 24.72%-8.5pp | 24.52%-8.3pp | 220.34%-204.2pp |
| Employer contribution / active EE | $2,775 | $3,411-18.7% | $2,954-6.1% | $4,156-33.2% |
| Participant deferral / active EE | $6,217 | $5,718+8.7% | $5,098+22.0% | $6,407-3.0% |
| Admin fee / account holder | $2,363 | $15,207-84.5% | $12,098-80.5% | $12,270-80.7% |