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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 | $56,098 | $95,404-41.2% | $113,397-50.5% | $82,637-32.1% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.5%+16.1pp | 68.1%+24.5pp |
| Annual return | 19.59% | 19.08%+0.5pp | 23.20%-3.6pp | 53.51%-33.9pp |
| Employer contribution / active EE | $1,872 | $2,307-18.9% | $2,977-37.1% | $2,552-26.7% |
| Participant deferral / active EE | $4,184 | $4,220-0.9% | $5,076-17.6% | $4,126+1.4% |
| Admin fee / account holder | $1,959 | $9,168-78.6% | $11,957-83.6% | $7,339-73.3% |