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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 | $52,825 | $93,598-43.6% | $135,974-61.2% | $75,173-29.7% |
| Participation rate | 92.0% | 75.2%+16.8pp | 81.9%+10.1pp | 67.2%+24.8pp |
| Annual return | 16.31% | 30.89%-14.6pp | 68.30%-52.0pp | 160.72%-144.4pp |
| Employer contribution / active EE | $2,042 | $3,538-42.3% | $4,859-58.0% | $2,671-23.6% |
| Participant deferral / active EE | $4,403 | $6,405-31.3% | $7,760-43.3% | $4,126+6.7% |
| Admin fee / account holder | $1,905 | $6,978-72.7% | $10,767-82.3% | $5,651-66.3% |