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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 | $68,815 | $95,453-27.9% | $112,040-38.6% | $82,448-16.5% |
| Participation rate | 84.5% | 72.8%+11.7pp | 76.5%+8.0pp | 68.1%+16.4pp |
| Annual return | 16.50% | 23.92%-7.4pp | 24.52%-8.0pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,429 | $2,318+4.8% | $2,954-17.8% | $2,551-4.8% |
| Participant deferral / active EE | $4,536 | $4,224+7.4% | $5,098-11.0% | $4,139+9.6% |
| Admin fee / account holder | $15,593 | $9,013+73.0% | $12,098+28.9% | $7,234+115.5% |