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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 | $56,666 | $106,524-46.8% | $152,301-62.8% | $87,485-35.2% |
| Participation rate | 97.9% | 75.8%+22.2pp | 82.4%+15.5pp | 68.9%+29.0pp |
| Annual return | 16.59% | 26.89%-10.3pp | 80.50%-63.9pp | 26.06%-9.5pp |
| Employer contribution / active EE | $3,275 | $3,371-2.9% | $4,624-29.2% | $2,596+26.1% |
| Participant deferral / active EE | $3,622 | $6,525-44.5% | $8,004-54.7% | $4,274-15.3% |
| Admin fee / account holder | $2,259 | $8,287-72.7% | $14,398-84.3% | $7,775-70.9% |