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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 | $66,784 | $80,985-17.5% | $96,576-30.8% | $75,181-11.2% |
| Participation rate | 84.6% | 71.8%+12.8pp | 76.0%+8.6pp | 67.2%+17.4pp |
| Annual return | 24.28% | 27.05%-2.8pp | 25.87%-1.6pp | 160.69%-136.4pp |
| Employer contribution / active EE | $2,309 | $2,282+1.1% | $2,965-22.1% | $2,671-13.6% |
| Participant deferral / active EE | $5,152 | $3,929+31.1% | $4,851+6.2% | $4,126+24.9% |
| Admin fee / account holder | $1,586 | $6,719-76.4% | $8,253-80.8% | $5,650-71.9% |