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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 | $61,208 | $95,453-35.9% | $112,040-45.4% | $82,448-25.8% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.5%+20.6pp | 68.1%+29.0pp |
| Annual return | 17.27% | 23.92%-6.7pp | 24.52%-7.2pp | 41.64%-24.4pp |
| Employer contribution / active EE | $3,492 | $2,318+50.7% | $2,954+18.2% | $2,551+36.9% |
| Participant deferral / active EE | $7,212 | $4,224+70.7% | $5,098+41.5% | $4,139+74.2% |
| Admin fee / account holder | $1,701 | $9,013-81.1% | $12,098-85.9% | $7,234-76.5% |