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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 | $38,383 | $95,453-59.8% | $112,040-65.7% | $82,448-53.4% |
| Participation rate | 88.1% | 72.8%+15.3pp | 76.5%+11.6pp | 68.1%+20.0pp |
| Annual return | 14.71% | 23.92%-9.2pp | 24.52%-9.8pp | 41.64%-26.9pp |
| Employer contribution / active EE | $2,079 | $2,318-10.3% | $2,954-29.6% | $2,551-18.5% |
| Participant deferral / active EE | $2,537 | $4,224-39.9% | $5,098-50.2% | $4,139-38.7% |
| Admin fee / account holder | $9,513 | $9,013+5.5% | $12,098-21.4% | $7,234+31.5% |