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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 | $70,524 | $81,487-13.5% | $102,412-31.1% | $80,935-12.9% |
| Participation rate | 95.1% | 66.8%+28.3pp | 74.5%+20.6pp | 67.7%+27.5pp |
| Annual return | 19.40% | 25.60%-6.2pp | 24.94%-5.5pp | 35.66%-16.3pp |
| Employer contribution / active EE | $1,528 | $3,103-50.8% | $3,870-60.5% | $2,757-44.6% |
| Participant deferral / active EE | $4,102 | $3,871+6.0% | $5,060-18.9% | $4,299-4.6% |
| Admin fee / account holder | $8,892 | $6,717+32.4% | $8,388+6.0% | $6,924+28.4% |