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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 | $53,733 | $100,194-46.4% | $122,979-56.3% | $86,983-38.2% |
| Participation rate | 83.3% | 73.0%+10.4pp | 77.2%+6.1pp | 69.5%+13.8pp |
| Annual return | 20.89% | 16.47%+4.4pp | 20.12%+0.8pp | 25.83%-4.9pp |
| Employer contribution / active EE | $1,967 | $2,326-15.4% | $3,062-35.8% | $2,584-23.9% |
| Participant deferral / active EE | $4,645 | $4,133+12.4% | $5,003-7.2% | $4,194+10.7% |
| Admin fee / account holder | $1,663 | $10,148-83.6% | $12,864-87.1% | $7,856-78.8% |