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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 | $53,774 | $86,298-37.7% | $111,308-51.7% | $85,847-37.4% |
| Participation rate | 86.2% | 73.3%+12.9pp | 77.3%+8.9pp | 69.3%+16.9pp |
| Annual return | 22.59% | 19.99%+2.6pp | 54.67%-32.1pp | 318.61%-296.0pp |
| Employer contribution / active EE | $1,260 | $2,044-38.3% | $2,732-53.9% | $2,565-50.9% |
| Participant deferral / active EE | $2,812 | $3,641-22.8% | $4,487-37.3% | $3,952-28.8% |
| Admin fee / account holder | $974 | $8,189-88.1% | $7,965-87.8% | $6,261-84.4% |