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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 | $53,090 | $67,602-21.5% | $82,312-35.5% | $70,126-24.3% |
| Participation rate | 89.8% | 72.8%+17.1pp | 76.9%+12.9pp | 69.5%+20.3pp |
| Annual return | 18.89% | 21.57%-2.7pp | 25.88%-7.0pp | 73.15%-54.3pp |
| Employer contribution / active EE | $2,185 | $1,755+24.5% | $2,428-10.0% | $2,343-6.7% |
| Participant deferral / active EE | $2,377 | $2,987-20.4% | $3,706-35.9% | $3,332-28.6% |
| Admin fee / account holder | $357 | $4,512-92.1% | $5,608-93.6% | $4,645-92.3% |