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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 | $69,336 | $101,798-31.9% | $165,071-58.0% | $80,935-14.3% |
| Participation rate | 92.3% | 71.8%+20.5pp | 78.6%+13.7pp | 67.7%+24.6pp |
| Annual return | 13.73% | 16.73%-3.0pp | 70.17%-56.4pp | 35.66%-21.9pp |
| Employer contribution / active EE | $2,363 | $2,954-20.0% | $4,347-45.6% | $2,757-14.3% |
| Participant deferral / active EE | $5,277 | $4,476+17.9% | $6,035-12.6% | $4,299+22.7% |
| Admin fee / account holder | $1,706 | $8,221-79.3% | $12,695-86.6% | $6,924-75.4% |