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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 | $56,513 | $77,472-27.1% | $100,415-43.7% | $80,959-30.2% |
| Participation rate | 94.0% | 76.9%+17.1pp | 81.5%+12.5pp | 67.7%+26.3pp |
| Annual return | 15.40% | 37.26%-21.9pp | 49.47%-34.1pp | 35.67%-20.3pp |
| Employer contribution / active EE | $1,048 | $2,800-62.6% | $3,943-73.4% | $2,757-62.0% |
| Participant deferral / active EE | $3,856 | $6,818-43.4% | $8,091-52.3% | $4,300-10.3% |
| Admin fee / account holder | $2,874 | $5,885-51.2% | $7,906-63.6% | $6,925-58.5% |