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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 | $73,749 | $77,814-5.2% | $158,223-53.4% | $86,983-15.2% |
| Participation rate | 72.4% | 68.4%+4.0pp | 79.2%-6.8pp | 69.5%+2.9pp |
| Annual return | 25.79% | 30.54%-4.8pp | 52.09%-26.3pp | 25.83%0pp |
| Employer contribution / active EE | $2,301 | $2,592-11.2% | $4,109-44.0% | $2,584-11.0% |
| Participant deferral / active EE | $5,047 | $3,270+54.4% | $5,467-7.7% | $4,194+20.4% |
| Admin fee / account holder | $947 | $5,879-83.9% | $16,047-94.1% | $7,856-87.9% |