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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 | $58,417 | $59,804-2.3% | $81,982-28.7% | $79,856-26.8% |
| Participation rate | 75.4% | 61.6%+13.7pp | 69.3%+6.1pp | 69.6%+5.7pp |
| Annual return | 20.69% | 17.56%+3.1pp | 41.31%-20.6pp | 31.71%-11.0pp |
| Employer contribution / active EE | $1,515 | $1,713-11.6% | $2,498-39.4% | $2,471-38.7% |
| Participant deferral / active EE | $1,862 | $2,695-30.9% | $3,722-50.0% | $3,741-50.2% |
| Admin fee / account holder | $1,184 | $4,288-72.4% | $5,665-79.1% | $5,306-77.7% |