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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 | $62,897 | $99,633-36.9% | $183,328-65.7% | $82,448-23.7% |
| Participation rate | 92.5% | 70.8%+21.7pp | 77.3%+15.2pp | 68.1%+24.4pp |
| Annual return | 17.75% | 17.84%-0.1pp | 29.67%-11.9pp | 41.64%-23.9pp |
| Employer contribution / active EE | $3,367 | $3,256+3.4% | $5,055-33.4% | $2,551+32.0% |
| Participant deferral / active EE | $3,626 | $4,938-26.6% | $6,795-46.6% | $4,139-12.4% |
| Admin fee / account holder | $7,469 | $9,934-24.8% | $21,427-65.1% | $7,234+3.2% |