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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 | $57,126 | $67,894-15.9% | $89,340-36.1% | $82,448-30.7% |
| Participation rate | 81.1% | 64.0%+17.0pp | 69.6%+11.5pp | 68.1%+13.0pp |
| Annual return | 12.77% | 19.21%-6.4pp | 20.57%-7.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $3,051 | $1,828+66.9% | $2,231+36.7% | $2,551+19.6% |
| Participant deferral / active EE | $2,676 | $3,072-12.9% | $3,823-30.0% | $4,139-35.3% |
| Admin fee / account holder | $1,760 | $5,723-69.2% | $6,704-73.7% | $7,234-75.7% |