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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 | $80,521 | $86,938-7.4% | $102,423-21.4% | $80,925-0.5% |
| Participation rate | 96.2% | 72.4%+23.8pp | 76.5%+19.7pp | 67.7%+28.5pp |
| Annual return | 13.87% | 18.89%-5.0pp | 29.42%-15.5pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,043 | $2,369-13.8% | $3,023-32.4% | $2,756-25.9% |
| Participant deferral / active EE | $5,781 | $4,120+40.3% | $5,054+14.4% | $4,299+34.5% |
| Admin fee / account holder | $1,506 | $8,053-81.3% | $9,455-84.1% | $6,940-78.3% |