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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 | $61,678 | $86,940-29.1% | $102,434-39.8% | $80,935-23.8% |
| Participation rate | 91.3% | 72.4%+18.9pp | 76.5%+14.8pp | 67.7%+23.6pp |
| Annual return | 16.01% | 18.89%-2.9pp | 29.46%-13.4pp | 35.66%-19.6pp |
| Employer contribution / active EE | $1,799 | $2,370-24.1% | $3,023-40.5% | $2,757-34.7% |
| Participant deferral / active EE | $3,324 | $4,121-19.3% | $5,055-34.2% | $4,299-22.7% |
| Admin fee / account holder | $765 | $8,047-90.5% | $9,462-91.9% | $6,924-89.0% |