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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 | $62,053 | $86,940-28.6% | $102,434-39.4% | $80,935-23.3% |
| Participation rate | 97.0% | 72.4%+24.6pp | 76.5%+20.5pp | 67.7%+29.3pp |
| Annual return | 14.51% | 18.89%-4.4pp | 29.46%-14.9pp | 35.66%-21.1pp |
| Employer contribution / active EE | $2,265 | $2,370-4.4% | $3,023-25.1% | $2,757-17.8% |
| Participant deferral / active EE | $3,252 | $4,121-21.1% | $5,055-35.7% | $4,299-24.4% |
| Admin fee / account holder | $7,709 | $8,047-4.2% | $9,462-18.5% | $6,924+11.3% |