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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 | $57,394 | $138,312-58.5% | $122,979-53.3% | $155,188-63.0% |
| Participation rate | 86.4% | 80.2%+6.2pp | 77.2%+9.2pp | 80.8%+5.6pp |
| Annual return | 18.80% | 22.06%-3.3pp | 20.12%-1.3pp | 148.84%-130.0pp |
| Employer contribution / active EE | $2,632 | $3,530-25.4% | $3,062-14.0% | $4,248-38.0% |
| Participant deferral / active EE | $3,951 | $5,592-29.3% | $5,003-21.0% | $6,531-39.5% |
| Admin fee / account holder | $2,999 | $15,089-80.1% | $12,864-76.7% | $14,480-79.3% |