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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 | $49,708 | $106,749-53.4% | $145,433-65.8% | $82,448-39.7% |
| Participation rate | 90.2% | 75.6%+14.5pp | 82.1%+8.1pp | 68.1%+22.1pp |
| Annual return | 17.67% | 27.59%-9.9pp | 66.58%-48.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $2,660 | $3,444-22.8% | $4,554-41.6% | $2,551+4.3% |
| Participant deferral / active EE | $6,782 | $6,519+4.0% | $7,897-14.1% | $4,139+63.9% |
| Admin fee / account holder | $8,548 | $8,390+1.9% | $13,129-34.9% | $7,234+18.2% |