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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 | $70,854 | $95,453-25.8% | $112,040-36.8% | $82,448-14.1% |
| Participation rate | 97.8% | 72.8%+25.0pp | 76.5%+21.3pp | 68.1%+29.7pp |
| Annual return | 14.93% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $1,768 | $2,318-23.7% | $2,954-40.1% | $2,551-30.7% |
| Participant deferral / active EE | $8,092 | $4,224+91.6% | $5,098+58.7% | $4,139+95.5% |
| Admin fee / account holder | $7,798 | $9,013-13.5% | $12,098-35.5% | $7,234+7.8% |