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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 | $73,468 | $81,476-9.8% | $102,383-28.2% | $80,925-9.2% |
| Participation rate | 88.5% | 66.8%+21.7pp | 74.5%+14.0pp | 67.7%+20.9pp |
| Annual return | 11.85% | 25.59%-13.7pp | 24.94%-13.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,567 | $3,105-49.5% | $3,870-59.5% | $2,756-43.2% |
| Participant deferral / active EE | $3,708 | $3,871-4.2% | $5,060-26.7% | $4,299-13.8% |
| Admin fee / account holder | $2,514 | $6,717-62.6% | $8,391-70.0% | $6,940-63.8% |