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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 | $95,453-40.4% | $112,040-49.2% | $82,448-31.0% |
| Participation rate | 96.6% | 72.8%+23.9pp | 76.5%+20.1pp | 68.1%+28.6pp |
| Annual return | 14.23% | 23.92%-9.7pp | 24.52%-10.3pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,344 | $2,318-42.0% | $2,954-54.5% | $2,551-47.3% |
| Participant deferral / active EE | $3,662 | $4,224-13.3% | $5,098-28.2% | $4,139-11.5% |
| Admin fee / account holder | $1,541 | $9,013-82.9% | $12,098-87.3% | $7,234-78.7% |