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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 | $41,827 | $124,425-66.4% | $112,040-62.7% | $137,256-69.5% |
| Participation rate | 95.2% | 79.3%+15.9pp | 76.5%+18.7pp | 80.0%+15.3pp |
| Annual return | 16.23% | 24.72%-8.5pp | 24.52%-8.3pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,629 | $3,411-52.2% | $2,954-44.8% | $4,156-60.8% |
| Participant deferral / active EE | $4,228 | $5,718-26.1% | $5,098-17.1% | $6,407-34.0% |
| Admin fee / account holder | $306 | $15,207-98.0% | $12,098-97.5% | $12,270-97.5% |