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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 | $33,207 | $147,594-77.5% | $121,871-72.8% | $198,609-83.3% |
| Participation rate | 94.1% | 78.0%+16.2pp | 73.2%+20.9pp | 82.4%+11.7pp |
| Annual return | 16.84% | 12.94%+3.9pp | 13.57%+3.3pp | 202.70%-185.9pp |
| Employer contribution / active EE | $1,364 | $3,007-54.6% | $2,731-50.1% | $5,055-73.0% |
| Participant deferral / active EE | $5,355 | $5,168+3.6% | $4,318+24.0% | $6,977-23.2% |
| Admin fee / account holder | $535 | $15,134-96.5% | $11,551-95.4% | $19,030-97.2% |