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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 | $53,349 | $83,485-36.1% | $125,195-57.4% | $72,976-26.9% |
| Participation rate | 98.4% | 73.3%+25.1pp | 79.8%+18.7pp | 69.5%+28.9pp |
| Annual return | 22.30% | 25.77%-3.5pp | 43.79%-21.5pp | 81.02%-58.7pp |
| Employer contribution / active EE | $2,929 | $2,346+24.9% | $3,866-24.2% | $2,440+20.0% |
| Participant deferral / active EE | $4,982 | $3,586+38.9% | $4,937+0.9% | $3,608+38.1% |
| Admin fee / account holder | $2,225 | $5,518-59.7% | $9,704-77.1% | $5,124-56.6% |