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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 | $56,999 | $86,940-34.4% | $102,434-44.4% | $80,935-29.6% |
| Participation rate | 95.8% | 72.4%+23.4pp | 76.5%+19.3pp | 67.7%+28.2pp |
| Annual return | 17.33% | 18.89%-1.6pp | 29.46%-12.1pp | 35.66%-18.3pp |
| Employer contribution / active EE | $2,196 | $2,370-7.3% | $3,023-27.3% | $2,757-20.3% |
| Participant deferral / active EE | $5,689 | $4,121+38.0% | $5,055+12.5% | $4,299+32.3% |
| Admin fee / account holder | $735 | $8,047-90.9% | $9,462-92.2% | $6,924-89.4% |