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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 | $37,638 | $126,661-70.3% | $113,397-66.8% | $138,895-72.9% |
| Participation rate | 88.9% | 79.4%+9.4pp | 76.5%+12.4pp | 79.9%+9.0pp |
| Annual return | 16.65% | 25.05%-8.4pp | 23.20%-6.5pp | 145.39%-128.7pp |
| Employer contribution / active EE | $1,597 | $3,456-53.8% | $2,977-46.4% | $4,194-61.9% |
| Participant deferral / active EE | $3,235 | $5,693-43.2% | $5,076-36.3% | $6,396-49.4% |
| Admin fee / account holder | $3,919 | $14,549-73.1% | $11,957-67.2% | $12,562-68.8% |