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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 | $60,950 | $99,345-38.6% | $84,753-28.1% | $273,972-77.8% |
| Participation rate | 95.0% | 80.7%+14.3pp | 76.6%+18.4pp | 83.0%+12.0pp |
| Annual return | 5.87% | 22.93%-17.1pp | 22.78%-16.9pp | 41.46%-35.6pp |
| Employer contribution / active EE | $2,626 | $4,214-37.7% | $3,574-26.5% | $4,869-46.1% |
| Participant deferral / active EE | $2,772 | $4,270-35.1% | $3,712-25.3% | $5,287-47.6% |
| Admin fee / account holder | $524 | $6,645-92.1% | $5,333-90.2% | $10,133-94.8% |