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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 | $61,674 | $67,602-8.8% | $82,312-25.1% | $70,126-12.1% |
| Participation rate | 93.8% | 72.8%+21.0pp | 76.9%+16.9pp | 69.5%+24.2pp |
| Annual return | 19.03% | 21.57%-2.5pp | 25.88%-6.8pp | 73.15%-54.1pp |
| Employer contribution / active EE | $1,478 | $1,755-15.8% | $2,428-39.2% | $2,343-36.9% |
| Participant deferral / active EE | $2,595 | $2,987-13.1% | $3,706-30.0% | $3,332-22.1% |
| Admin fee / account holder | $4,753 | $4,512+5.3% | $5,608-15.2% | $4,645+2.3% |