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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 | $47,713 | $87,546-45.5% | $75,784-37.0% | $125,389-61.9% |
| Participation rate | 86.7% | 80.2%+6.5pp | 75.8%+10.8pp | 83.2%+3.5pp |
| Annual return | 13.91% | 13.49%+0.4pp | 9.68%+4.2pp | 282.24%-268.3pp |
| Employer contribution / active EE | $1,537 | $3,930-60.9% | $3,323-53.8% | $4,866-68.4% |
| Participant deferral / active EE | $4,287 | $4,230+1.3% | $3,652+17.4% | $5,352-19.9% |
| Admin fee / account holder | $3,639 | $6,503-44.0% | $5,300-31.3% | $9,541-61.9% |