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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 | $54,891 | $78,670-30.2% | $109,173-49.7% | $85,847-36.1% |
| Participation rate | 96.4% | 68.3%+28.2pp | 75.9%+20.5pp | 69.3%+27.1pp |
| Annual return | 14.30% | 25.09%-10.8pp | 25.75%-11.5pp | 318.61%-304.3pp |
| Employer contribution / active EE | $2,834 | $2,734+3.7% | $3,723-23.9% | $2,565+10.5% |
| Participant deferral / active EE | $4,928 | $3,467+42.1% | $4,654+5.9% | $3,952+24.7% |
| Admin fee / account holder | $1,073 | $5,469-80.4% | $6,755-84.1% | $6,261-82.9% |