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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 | $47,203 | $95,453-50.5% | $112,040-57.9% | $82,448-42.7% |
| Participation rate | 98.3% | 72.8%+25.6pp | 76.5%+21.8pp | 68.1%+30.3pp |
| Annual return | 16.11% | 23.92%-7.8pp | 24.52%-8.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,840 | $2,318-20.6% | $2,954-37.7% | $2,551-27.9% |
| Participant deferral / active EE | $1,983 | $4,224-53.1% | $5,098-61.1% | $4,139-52.1% |
| Admin fee / account holder | $2,333 | $9,013-74.1% | $12,098-80.7% | $7,234-67.7% |