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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 | $56,011 | $73,988-24.3% | $96,538-42.0% | $75,177-25.5% |
| Participation rate | 95.1% | 66.4%+28.7pp | 74.3%+20.8pp | 67.2%+27.9pp |
| Annual return | 16.64% | 26.73%-10.1pp | 35.74%-19.1pp | 160.75%-144.1pp |
| Employer contribution / active EE | $2,754 | $2,930-6.0% | $3,740-26.4% | $2,671+3.1% |
| Participant deferral / active EE | $4,294 | $3,660+17.3% | $4,880-12.0% | $4,126+4.1% |
| Admin fee / account holder | $2,421 | $5,220-53.6% | $6,737-64.1% | $5,651-57.2% |