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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 | $95,404-43.7% | $113,397-52.6% | $82,637-35.0% |
| Participation rate | 83.3% | 72.8%+10.5pp | 76.5%+6.8pp | 68.1%+15.3pp |
| Annual return | 20.89% | 19.08%+1.8pp | 23.20%-2.3pp | 53.51%-32.6pp |
| Employer contribution / active EE | $1,967 | $2,307-14.7% | $2,977-33.9% | $2,552-22.9% |
| Participant deferral / active EE | $4,645 | $4,220+10.1% | $5,076-8.5% | $4,126+12.6% |
| Admin fee / account holder | $1,663 | $9,168-81.9% | $11,957-86.1% | $7,339-77.3% |