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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 | $56,887 | $95,404-40.4% | $113,397-49.8% | $82,637-31.2% |
| Participation rate | 96.6% | 72.8%+23.8pp | 76.5%+20.1pp | 68.1%+28.6pp |
| Annual return | 14.23% | 19.08%-4.8pp | 23.20%-9.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $1,344 | $2,307-41.7% | $2,977-54.9% | $2,552-47.3% |
| Participant deferral / active EE | $3,662 | $4,220-13.2% | $5,076-27.9% | $4,126-11.2% |
| Admin fee / account holder | $1,541 | $9,168-83.2% | $11,957-87.1% | $7,339-79.0% |