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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 | $71,805 | $95,453-24.8% | $112,040-35.9% | $82,448-12.9% |
| Participation rate | 75.4% | 72.8%+2.7pp | 76.5%-1.1pp | 68.1%+7.4pp |
| Annual return | 17.18% | 23.92%-6.7pp | 24.52%-7.3pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,712 | $2,318-26.1% | $2,954-42.0% | $2,551-32.9% |
| Participant deferral / active EE | $3,977 | $4,224-5.8% | $5,098-22.0% | $4,139-3.9% |
| Admin fee / account holder | $1,922 | $9,013-78.7% | $12,098-84.1% | $7,234-73.4% |