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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 | $67,041 | $81,476-17.7% | $102,383-34.5% | $80,925-17.2% |
| Participation rate | 87.1% | 66.8%+20.3pp | 74.5%+12.6pp | 67.7%+19.4pp |
| Annual return | 16.88% | 25.59%-8.7pp | 24.94%-8.1pp | 35.65%-18.8pp |
| Employer contribution / active EE | $3,109 | $3,105+0.1% | $3,870-19.7% | $2,756+12.8% |
| Participant deferral / active EE | $4,549 | $3,871+17.5% | $5,060-10.1% | $4,299+5.8% |
| Admin fee / account holder | $2,123 | $6,717-68.4% | $8,391-74.7% | $6,940-69.4% |