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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 | $53,121 | $78,013-31.9% | $178,449-70.2% | $80,911-34.3% |
| Participation rate | 96.8% | 65.7%+31.1pp | 77.1%+19.7pp | 67.6%+29.1pp |
| Annual return | 16.59% | 18.07%-1.5pp | 27.09%-10.5pp | 35.63%-19.0pp |
| Employer contribution / active EE | $3,234 | $2,287+41.4% | $3,951-18.1% | $2,756+17.3% |
| Participant deferral / active EE | $6,664 | $4,408+51.2% | $6,277+6.2% | $4,297+55.1% |
| Admin fee / account holder | $3,733 | $7,166-47.9% | $10,362-64.0% | $6,935-46.2% |