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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 | $43,891 | $80,992-45.8% | $96,534-54.5% | $75,173-41.6% |
| Participation rate | 98.3% | 71.8%+26.5pp | 76.0%+22.3pp | 67.2%+31.1pp |
| Annual return | 17.83% | 27.05%-9.2pp | 25.88%-8.0pp | 160.72%-142.9pp |
| Employer contribution / active EE | $1,820 | $2,283-20.2% | $2,965-38.6% | $2,671-31.8% |
| Participant deferral / active EE | $4,448 | $3,929+13.2% | $4,851-8.3% | $4,126+7.8% |
| Admin fee / account holder | $4,213 | $6,717-37.3% | $8,253-49.0% | $5,651-25.4% |