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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 | $97,550-27.4% | $120,344-41.1% | $87,485-19.0% |
| Participation rate | 97.8% | 72.8%+25.0pp | 76.7%+21.1pp | 68.9%+28.8pp |
| Annual return | 14.93% | 18.41%-3.5pp | 20.30%-5.4pp | 26.06%-11.1pp |
| Employer contribution / active EE | $1,768 | $2,291-22.8% | $3,020-41.5% | $2,596-31.9% |
| Participant deferral / active EE | $8,092 | $4,230+91.3% | $5,135+57.6% | $4,274+89.4% |
| Admin fee / account holder | $7,798 | $9,543-18.3% | $12,742-38.8% | $7,775+0.3% |