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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 | $49,697 | $95,453-47.9% | $112,040-55.6% | $82,448-39.7% |
| Participation rate | 97.6% | 72.8%+24.8pp | 76.5%+21.1pp | 68.1%+29.5pp |
| Annual return | 21.93% | 23.92%-2.0pp | 24.52%-2.6pp | 41.64%-19.7pp |
| Employer contribution / active EE | $2,461 | $2,318+6.2% | $2,954-16.7% | $2,551-3.5% |
| Participant deferral / active EE | $3,311 | $4,224-21.6% | $5,098-35.0% | $4,139-20.0% |
| Admin fee / account holder | $3,635 | $9,013-59.7% | $12,098-70.0% | $7,234-49.8% |