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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 | $66,163 | $86,949-23.9% | $102,460-35.4% | $80,959-18.3% |
| Participation rate | 84.4% | 72.4%+12.0pp | 76.5%+7.9pp | 67.7%+16.7pp |
| Annual return | 14.74% | 18.89%-4.2pp | 29.47%-14.7pp | 35.67%-20.9pp |
| Employer contribution / active EE | $1,969 | $2,370-16.9% | $3,025-34.9% | $2,757-28.6% |
| Participant deferral / active EE | $4,281 | $4,121+3.9% | $5,056-15.3% | $4,300-0.5% |
| Admin fee / account holder | $6,723 | $8,048-16.5% | $9,460-28.9% | $6,925-2.9% |