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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 | $71,878 | $79,894-10.0% | $135,792-47.1% | $82,637-13.0% |
| Participation rate | 95.2% | 63.0%+32.2pp | 72.6%+22.6pp | 68.1%+27.1pp |
| Annual return | 13.82% | 17.20%-3.4pp | 25.96%-12.1pp | 53.51%-39.7pp |
| Employer contribution / active EE | $4,039 | $2,165+86.6% | $3,496+15.6% | $2,552+58.3% |
| Participant deferral / active EE | $1,359 | $3,194-57.5% | $4,759-71.4% | $4,126-67.1% |
| Admin fee / account holder | $5,383 | $6,434-16.3% | $12,266-56.1% | $7,339-26.7% |