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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 | $81,457-9.8% | $103,378-28.9% | $80,911-9.2% |
| Participation rate | 88.5% | 66.8%+21.7pp | 74.5%+14.0pp | 67.6%+20.9pp |
| Annual return | 11.85% | 25.58%-13.7pp | 24.91%-13.1pp | 35.63%-23.8pp |
| Employer contribution / active EE | $1,567 | $3,107-49.6% | $3,870-59.5% | $2,756-43.1% |
| Participant deferral / active EE | $3,708 | $3,871-4.2% | $5,058-26.7% | $4,297-13.7% |
| Admin fee / account holder | $2,514 | $6,717-62.6% | $8,401-70.1% | $6,935-63.7% |