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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 | $61,503 | $81,504-24.5% | $102,437-40.0% | $80,959-24.0% |
| Participation rate | 98.7% | 66.9%+31.9pp | 74.5%+24.2pp | 67.7%+31.1pp |
| Annual return | 15.12% | 25.60%-10.5pp | 24.95%-9.8pp | 35.67%-20.5pp |
| Employer contribution / active EE | $2,702 | $3,104-12.9% | $3,871-30.2% | $2,757-2.0% |
| Participant deferral / active EE | $7,532 | $3,871+94.6% | $5,060+48.8% | $4,300+75.1% |
| Admin fee / account holder | $2,541 | $6,719-62.2% | $8,388-69.7% | $6,925-63.3% |