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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 | $61,613 | $76,551-19.5% | $123,894-50.3% | $62,881-2.0% |
| Participation rate | 94.4% | 73.0%+21.5pp | 81.4%+13.0pp | 69.3%+25.1pp |
| Annual return | 9.15% | 18.68%-9.5pp | 47.52%-38.4pp | 20.14%-11.0pp |
| Employer contribution / active EE | $2,304 | $2,882-20.1% | $4,617-50.1% | $2,281+1.0% |
| Participant deferral / active EE | $2,642 | $4,840-45.4% | $5,984-55.8% | $3,203-17.5% |
| Admin fee / account holder | $462 | $4,826-90.4% | $8,357-94.5% | $4,296-89.3% |