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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 | $73,029 | $87,166-16.2% | $76,735-4.8% | $137,256-46.8% |
| Participation rate | 85.7% | 74.4%+11.4pp | 69.5%+16.2pp | 80.0%+5.8pp |
| Annual return | 14.73% | 26.50%-11.8pp | 29.77%-15.0pp | 220.34%-205.6pp |
| Employer contribution / active EE | $1,264 | $2,904-56.5% | $2,454-48.5% | $4,156-69.6% |
| Participant deferral / active EE | $5,054 | $4,726+6.9% | $4,088+23.6% | $6,407-21.1% |
| Admin fee / account holder | $1,518 | $8,403-81.9% | $7,189-78.9% | $12,270-87.6% |