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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 | $97,550-37.3% | $120,344-49.1% | $87,485-30.0% |
| Participation rate | 97.1% | 72.8%+24.2pp | 76.7%+20.3pp | 68.9%+28.1pp |
| Annual return | 17.27% | 18.41%-1.1pp | 20.30%-3.0pp | 26.06%-8.8pp |
| Employer contribution / active EE | $3,492 | $2,291+52.4% | $3,020+15.6% | $2,596+34.5% |
| Participant deferral / active EE | $7,212 | $4,230+70.5% | $5,135+40.4% | $4,274+68.8% |
| Admin fee / account holder | $1,701 | $9,543-82.2% | $12,742-86.6% | $7,775-78.1% |