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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 | $76,100 | $76,834-1.0% | $108,359-29.8% | $87,485-13.0% |
| Participation rate | 74.2% | 61.7%+12.5pp | 70.1%+4.1pp | 68.9%+5.3pp |
| Annual return | 16.48% | 19.09%-2.6pp | 36.89%-20.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,528 | $1,556-1.8% | $2,399-36.3% | $2,596-41.2% |
| Participant deferral / active EE | $3,114 | $3,100+0.4% | $4,137-24.7% | $4,274-27.1% |
| Admin fee / account holder | $2,540 | $6,537-61.1% | $9,741-73.9% | $7,775-67.3% |