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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 | $58,931 | $60,349-2.3% | $74,184-20.6% | $62,881-6.3% |
| Participation rate | 98.8% | 72.7%+26.1pp | 76.6%+22.2pp | 69.3%+29.5pp |
| Annual return | 6.70% | 21.38%-14.7pp | 17.74%-11.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,921 | $1,680+73.9% | $2,370+23.3% | $2,281+28.1% |
| Participant deferral / active EE | $2,647 | $2,856-7.3% | $3,550-25.4% | $3,203-17.4% |
| Admin fee / account holder | $1,296 | $4,261-69.6% | $5,586-76.8% | $4,296-69.8% |