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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 | $62,556 | $81,457-23.2% | $103,378-39.5% | $80,911-22.7% |
| Participation rate | 97.7% | 66.8%+30.9pp | 74.5%+23.2pp | 67.6%+30.1pp |
| Annual return | 11.41% | 25.58%-14.2pp | 24.91%-13.5pp | 35.63%-24.2pp |
| Employer contribution / active EE | $1,833 | $3,107-41.0% | $3,870-52.6% | $2,756-33.5% |
| Participant deferral / active EE | $4,459 | $3,871+15.2% | $5,058-11.8% | $4,297+3.8% |
| Admin fee / account holder | $3,398 | $6,717-49.4% | $8,401-59.5% | $6,935-51.0% |