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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 | $55,482 | $58,057-4.4% | $97,032-42.8% | $86,983-36.2% |
| Participation rate | 93.2% | 60.4%+32.9pp | 71.6%+21.7pp | 69.5%+23.7pp |
| Annual return | 17.57% | 22.26%-4.7pp | 35.38%-17.8pp | 25.83%-8.3pp |
| Employer contribution / active EE | $1,244 | $1,663-25.2% | $2,629-52.7% | $2,584-51.9% |
| Participant deferral / active EE | $4,866 | $3,244+50.0% | $4,672+4.2% | $4,194+16.0% |
| Admin fee / account holder | $7,006 | $4,839+44.8% | $9,418-25.6% | $7,856-10.8% |