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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 | $56,600 | $76,371-25.9% | $93,621-39.5% | $72,975-22.4% |
| Participation rate | 84.5% | 71.8%+12.7pp | 75.8%+8.6pp | 69.5%+15.0pp |
| Annual return | 24.06% | 25.82%-1.8pp | 32.76%-8.7pp | 81.01%-56.9pp |
| Employer contribution / active EE | $1,091 | $2,276-52.0% | $2,719-59.9% | $2,440-55.3% |
| Participant deferral / active EE | $3,746 | $3,538+5.9% | $4,070-7.9% | $3,608+3.8% |
| Admin fee / account holder | $1,433 | $6,839-79.1% | $7,890-81.8% | $5,124-72.0% |