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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 | $51,956 | $112,729-53.9% | $98,716-47.4% | $137,256-62.1% |
| Participation rate | 82.4% | 74.2%+8.1pp | 69.3%+13.1pp | 80.0%+2.4pp |
| Annual return | 16.11% | 38.48%-22.4pp | 31.81%-15.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,756 | $2,725-35.6% | $2,279-22.9% | $4,156-57.7% |
| Participant deferral / active EE | $4,921 | $4,640+6.1% | $4,048+21.6% | $6,407-23.2% |
| Admin fee / account holder | $448 | $10,129-95.6% | $8,703-94.8% | $12,270-96.3% |