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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 | $73,069 | $80,983-9.8% | $96,544-24.3% | $75,177-2.8% |
| Participation rate | 87.8% | 71.8%+16.0pp | 76.0%+11.8pp | 67.2%+20.6pp |
| Annual return | 17.71% | 27.05%-9.3pp | 25.88%-8.2pp | 160.75%-143.0pp |
| Employer contribution / active EE | $1,975 | $2,282-13.5% | $2,966-33.4% | $2,671-26.1% |
| Participant deferral / active EE | $5,258 | $3,929+33.9% | $4,851+8.4% | $4,126+27.4% |
| Admin fee / account holder | $2,653 | $6,717-60.5% | $8,254-67.9% | $5,651-53.0% |