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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 | $60,916 | $86,938-29.9% | $102,423-40.5% | $80,925-24.7% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 14.87% | 18.89%-4.0pp | 29.42%-14.6pp | 35.65%-20.8pp |
| Employer contribution / active EE | $2,091 | $2,369-11.7% | $3,023-30.8% | $2,756-24.1% |
| Participant deferral / active EE | $4,903 | $4,120+19.0% | $5,054-3.0% | $4,299+14.1% |
| Admin fee / account holder | $1,065 | $8,053-86.8% | $9,455-88.7% | $6,940-84.6% |