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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 | $71,877 | $81,331-11.6% | $155,534-53.8% | $80,935-11.2% |
| Participation rate | 92.0% | 66.3%+25.7pp | 78.2%+13.8pp | 67.7%+24.3pp |
| Annual return | 12.47% | 33.37%-20.9pp | 64.92%-52.4pp | 35.66%-23.2pp |
| Employer contribution / active EE | $1,201 | $3,105-61.3% | $4,675-74.3% | $2,757-56.4% |
| Participant deferral / active EE | $3,525 | $3,454+2.1% | $5,630-37.4% | $4,299-18.0% |
| Admin fee / account holder | $836 | $7,999-89.5% | $15,900-94.7% | $6,924-87.9% |