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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 | $70,264 | $95,404-26.4% | $113,397-38.0% | $82,637-15.0% |
| Participation rate | 96.2% | 72.8%+23.3pp | 76.5%+19.7pp | 68.1%+28.1pp |
| Annual return | 17.92% | 19.08%-1.2pp | 23.20%-5.3pp | 53.51%-35.6pp |
| Employer contribution / active EE | $1,841 | $2,307-20.2% | $2,977-38.2% | $2,552-27.9% |
| Participant deferral / active EE | $3,927 | $4,220-6.9% | $5,076-22.6% | $4,126-4.8% |
| Admin fee / account holder | $2,115 | $9,168-76.9% | $11,957-82.3% | $7,339-71.2% |