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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 | $60,579 | $93,598-35.3% | $135,974-55.4% | $75,173-19.4% |
| Participation rate | 97.1% | 75.2%+21.9pp | 81.9%+15.1pp | 67.2%+29.9pp |
| Annual return | 19.77% | 30.89%-11.1pp | 68.30%-48.5pp | 160.72%-141.0pp |
| Employer contribution / active EE | $1,630 | $3,538-53.9% | $4,859-66.5% | $2,671-39.0% |
| Participant deferral / active EE | $6,614 | $6,405+3.3% | $7,760-14.8% | $4,126+60.3% |
| Admin fee / account holder | $2,502 | $6,978-64.1% | $10,767-76.8% | $5,651-55.7% |