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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 | $44,411 | $72,269-38.5% | $101,271-56.1% | $79,852-44.4% |
| Participation rate | 89.6% | 68.5%+21.1pp | 75.8%+13.8pp | 69.6%+19.9pp |
| Annual return | 16.54% | 22.29%-5.8pp | 46.48%-29.9pp | 31.72%-15.2pp |
| Employer contribution / active EE | $1,958 | $2,692-27.3% | $3,660-46.5% | $2,471-20.8% |
| Participant deferral / active EE | $3,764 | $3,282+14.7% | $4,371-13.9% | $3,740+0.6% |
| Admin fee / account holder | $687 | $4,401-84.4% | $5,948-88.4% | $5,306-87.1% |