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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 | $64,842 | $86,940-25.4% | $102,434-36.7% | $80,935-19.9% |
| Participation rate | 90.7% | 72.4%+18.3pp | 76.5%+14.2pp | 67.7%+23.0pp |
| Annual return | 18.53% | 18.89%-0.4pp | 29.46%-10.9pp | 35.66%-17.1pp |
| Employer contribution / active EE | $871 | $2,370-63.3% | $3,023-71.2% | $2,757-68.4% |
| Participant deferral / active EE | $3,293 | $4,121-20.1% | $5,055-34.9% | $4,299-23.4% |
| Admin fee / account holder | $2,570 | $8,047-68.1% | $9,462-72.8% | $6,924-62.9% |