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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 | $62,088 | $80,992-23.3% | $96,534-35.7% | $75,173-17.4% |
| Participation rate | 96.8% | 71.8%+25.0pp | 76.0%+20.8pp | 67.2%+29.6pp |
| Annual return | 16.19% | 27.05%-10.9pp | 25.88%-9.7pp | 160.72%-144.5pp |
| Employer contribution / active EE | $2,057 | $2,283-9.9% | $2,965-30.6% | $2,671-23.0% |
| Participant deferral / active EE | $5,133 | $3,929+30.6% | $4,851+5.8% | $4,126+24.4% |
| Admin fee / account holder | $912 | $6,717-86.4% | $8,253-88.9% | $5,651-83.9% |