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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 | $29,756 | $123,155-75.8% | $108,753-72.6% | $155,188-80.8% |
| Participation rate | 91.3% | 75.6%+15.7pp | 71.1%+20.2pp | 80.8%+10.5pp |
| Annual return | 15.55% | 44.73%-29.2pp | 37.47%-21.9pp | 148.84%-133.3pp |
| Employer contribution / active EE | $1,223 | $2,811-56.5% | $2,427-49.6% | $4,248-71.2% |
| Participant deferral / active EE | $2,729 | $4,623-41.0% | $4,115-33.7% | $6,531-58.2% |
| Admin fee / account holder | $973 | $12,126-92.0% | $10,320-90.6% | $14,480-93.3% |