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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 | $66,878 | $80,983-17.4% | $96,544-30.7% | $75,177-11.0% |
| Participation rate | 91.2% | 71.8%+19.4pp | 76.0%+15.2pp | 67.2%+24.0pp |
| Annual return | 19.78% | 27.05%-7.3pp | 25.88%-6.1pp | 160.75%-141.0pp |
| Employer contribution / active EE | $1,850 | $2,282-19.0% | $2,966-37.6% | $2,671-30.8% |
| Participant deferral / active EE | $4,842 | $3,929+23.2% | $4,851-0.2% | $4,126+17.3% |
| Admin fee / account holder | $568 | $6,717-91.5% | $8,254-93.1% | $5,651-89.9% |