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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 | $55,265 | $78,672-29.8% | $109,163-49.4% | $85,856-35.6% |
| Participation rate | 88.0% | 68.3%+19.7pp | 75.9%+12.1pp | 69.3%+18.7pp |
| Annual return | 12.70% | 25.09%-12.4pp | 25.75%-13.1pp | 318.58%-305.9pp |
| Employer contribution / active EE | $2,489 | $2,734-9.0% | $3,723-33.1% | $2,565-3.0% |
| Participant deferral / active EE | $5,021 | $3,467+44.8% | $4,654+7.9% | $3,952+27.0% |
| Admin fee / account holder | $1,989 | $5,470-63.6% | $6,754-70.6% | $6,261-68.2% |