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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 | $71,702 | $110,137-34.9% | $161,149-55.5% | $82,637-13.2% |
| Participation rate | 94.0% | 72.4%+21.6pp | 78.8%+15.2pp | 68.1%+25.9pp |
| Annual return | 15.56% | 20.69%-5.1pp | 21.16%-5.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $2,795 | $2,856-2.1% | $4,360-35.9% | $2,552+9.5% |
| Participant deferral / active EE | $6,505 | $4,575+42.2% | $6,153+5.7% | $4,126+57.7% |
| Admin fee / account holder | $7,164 | $9,467-24.3% | $15,194-52.9% | $7,339-2.4% |