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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 | $43,535 | $78,013-44.2% | $178,449-75.6% | $80,911-46.2% |
| Participation rate | 93.6% | 65.7%+27.9pp | 77.1%+16.5pp | 67.6%+26.0pp |
| Annual return | 21.80% | 18.07%+3.7pp | 27.09%-5.3pp | 35.63%-13.8pp |
| Employer contribution / active EE | $1,466 | $2,287-35.9% | $3,951-62.9% | $2,756-46.8% |
| Participant deferral / active EE | $3,871 | $4,408-12.2% | $6,277-38.3% | $4,297-9.9% |
| Admin fee / account holder | $1,781 | $7,166-75.1% | $10,362-82.8% | $6,935-74.3% |