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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 | $48,991 | $72,486-32.4% | $87,103-43.8% | $72,976-32.9% |
| Participation rate | 88.6% | 72.8%+15.8pp | 76.9%+11.7pp | 69.5%+19.1pp |
| Annual return | 24.64% | 24.46%+0.2pp | 28.19%-3.5pp | 81.02%-56.4pp |
| Employer contribution / active EE | $2,361 | $1,894+24.6% | $2,521-6.4% | $2,440-3.3% |
| Participant deferral / active EE | $2,898 | $3,270-11.4% | $4,049-28.4% | $3,608-19.7% |
| Admin fee / account holder | $981 | $5,055-80.6% | $7,491-86.9% | $5,124-80.9% |