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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 | $61,237 | $110,137-44.4% | $161,149-62.0% | $82,637-25.9% |
| Participation rate | 93.3% | 72.4%+21.0pp | 78.8%+14.5pp | 68.1%+25.3pp |
| Annual return | 14.10% | 20.69%-6.6pp | 21.16%-7.1pp | 53.51%-39.4pp |
| Employer contribution / active EE | $2,440 | $2,856-14.6% | $4,360-44.0% | $2,552-4.4% |
| Participant deferral / active EE | $4,939 | $4,575+8.0% | $6,153-19.7% | $4,126+19.7% |
| Admin fee / account holder | $2,843 | $9,467-70.0% | $15,194-81.3% | $7,339-61.3% |