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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 | $61,508 | $67,606-9.0% | $82,313-25.3% | $70,124-12.3% |
| Participation rate | 90.0% | 72.8%+17.2pp | 76.9%+13.1pp | 69.5%+20.5pp |
| Annual return | 15.50% | 21.57%-6.1pp | 25.88%-10.4pp | 73.14%-57.6pp |
| Employer contribution / active EE | $1,195 | $1,755-31.9% | $2,428-50.8% | $2,342-49.0% |
| Participant deferral / active EE | $3,264 | $2,987+9.3% | $3,706-11.9% | $3,332-2.0% |
| Admin fee / account holder | $2,302 | $4,512-49.0% | $5,608-59.0% | $4,645-50.4% |