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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 | $53,899 | $106,864-49.6% | $147,318-63.4% | $82,637-34.8% |
| Participation rate | 91.3% | 75.5%+15.8pp | 82.1%+9.2pp | 68.1%+23.2pp |
| Annual return | 16.77% | 27.49%-10.7pp | 70.43%-53.7pp | 53.51%-36.7pp |
| Employer contribution / active EE | $1,874 | $3,417-45.1% | $4,593-59.2% | $2,552-26.6% |
| Participant deferral / active EE | $4,498 | $6,496-30.7% | $7,906-43.1% | $4,126+9.0% |
| Admin fee / account holder | $907 | $8,415-89.2% | $13,708-93.4% | $7,339-87.6% |