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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 | $61,377 | $80,992-24.2% | $96,534-36.4% | $75,173-18.4% |
| Participation rate | 91.4% | 71.8%+19.6pp | 76.0%+15.4pp | 67.2%+24.2pp |
| Annual return | 18.72% | 27.05%-8.3pp | 25.88%-7.2pp | 160.72%-142.0pp |
| Employer contribution / active EE | $2,268 | $2,283-0.7% | $2,965-23.5% | $2,671-15.1% |
| Participant deferral / active EE | $6,427 | $3,929+63.6% | $4,851+32.5% | $4,126+55.8% |
| Admin fee / account holder | $2,468 | $6,717-63.3% | $8,253-70.1% | $5,651-56.3% |