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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 | $78,597 | $97,550-19.4% | $120,344-34.7% | $87,485-10.2% |
| Participation rate | 96.8% | 72.8%+23.9pp | 76.7%+20.1pp | 68.9%+27.8pp |
| Annual return | 14.64% | 18.41%-3.8pp | 20.30%-5.7pp | 26.06%-11.4pp |
| Employer contribution / active EE | $2,081 | $2,291-9.1% | $3,020-31.1% | $2,596-19.8% |
| Participant deferral / active EE | $4,722 | $4,230+11.6% | $5,135-8.0% | $4,274+10.5% |
| Admin fee / account holder | $2,464 | $9,543-74.2% | $12,742-80.7% | $7,775-68.3% |