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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 | $55,540 | $86,938-36.1% | $102,423-45.8% | $80,925-31.4% |
| Participation rate | 98.0% | 72.4%+25.6pp | 76.5%+21.5pp | 67.7%+30.3pp |
| Annual return | 14.48% | 18.89%-4.4pp | 29.42%-14.9pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,132 | $2,369-52.2% | $3,023-62.6% | $2,756-58.9% |
| Participant deferral / active EE | $3,565 | $4,120-13.5% | $5,054-29.5% | $4,299-17.1% |
| Admin fee / account holder | $2,305 | $8,053-71.4% | $9,455-75.6% | $6,940-66.8% |