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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 | $80,174 | $95,453-16.0% | $112,040-28.4% | $82,448-2.8% |
| Participation rate | 89.5% | 72.8%+16.7pp | 76.5%+13.0pp | 68.1%+21.4pp |
| Annual return | 16.12% | 23.92%-7.8pp | 24.52%-8.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,095 | $2,318-52.7% | $2,954-62.9% | $2,551-57.1% |
| Participant deferral / active EE | $2,988 | $4,224-29.2% | $5,098-41.4% | $4,139-27.8% |
| Admin fee / account holder | $1,189 | $9,013-86.8% | $12,098-90.2% | $7,234-83.6% |