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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 | $48,772 | $80,983-39.8% | $96,544-49.5% | $75,177-35.1% |
| Participation rate | 95.0% | 71.8%+23.2pp | 76.0%+19.0pp | 67.2%+27.8pp |
| Annual return | 17.98% | 27.05%-9.1pp | 25.88%-7.9pp | 160.75%-142.8pp |
| Employer contribution / active EE | $2,376 | $2,282+4.1% | $2,966-19.9% | $2,671-11.0% |
| Participant deferral / active EE | $2,721 | $3,929-30.7% | $4,851-43.9% | $4,126-34.1% |
| Admin fee / account holder | $5,853 | $6,717-12.9% | $8,254-29.1% | $5,651+3.6% |