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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 | $49,683 | $112,729-55.9% | $98,716-49.7% | $137,256-63.8% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.3%+16.4pp | 80.0%+5.8pp |
| Annual return | 17.54% | 38.48%-20.9pp | 31.81%-14.3pp | 220.34%-202.8pp |
| Employer contribution / active EE | $1,948 | $2,725-28.5% | $2,279-14.5% | $4,156-53.1% |
| Participant deferral / active EE | $4,881 | $4,640+5.2% | $4,048+20.6% | $6,407-23.8% |
| Admin fee / account holder | $5,424 | $10,129-46.4% | $8,703-37.7% | $12,270-55.8% |