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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 | $52,841 | $81,504-35.2% | $102,437-48.4% | $80,959-34.7% |
| Participation rate | 91.0% | 66.9%+24.2pp | 74.5%+16.5pp | 67.7%+23.4pp |
| Annual return | 18.61% | 25.60%-7.0pp | 24.95%-6.3pp | 35.67%-17.1pp |
| Employer contribution / active EE | $2,014 | $3,104-35.1% | $3,871-48.0% | $2,757-27.0% |
| Participant deferral / active EE | $4,126 | $3,871+6.6% | $5,060-18.5% | $4,300-4.0% |
| Admin fee / account holder | $561 | $6,719-91.7% | $8,388-93.3% | $6,925-91.9% |