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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 | $60,760 | $81,403-25.4% | $147,027-58.7% | $87,485-30.5% |
| Participation rate | 91.4% | 63.4%+27.9pp | 73.7%+17.6pp | 68.9%+22.4pp |
| Annual return | 17.46% | 16.51%+0.9pp | 20.23%-2.8pp | 26.06%-8.6pp |
| Employer contribution / active EE | $1,583 | $2,205-28.2% | $3,626-56.4% | $2,596-39.0% |
| Participant deferral / active EE | $2,382 | $3,315-28.2% | $4,933-51.7% | $4,274-44.3% |
| Admin fee / account holder | $1,758 | $6,755-74.0% | $12,223-85.6% | $7,775-77.4% |