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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 | $104,098-24.5% | $140,514-44.1% | $94,015-16.4% |
| Participation rate | 96.8% | 73.7%+23.1pp | 77.8%+19.0pp | 70.8%+26.0pp |
| Annual return | 14.64% | 15.14%-0.5pp | 14.36%+0.3pp | 17.84%-3.2pp |
| Employer contribution / active EE | $2,081 | $2,388-12.8% | $3,378-38.4% | $2,790-25.4% |
| Participant deferral / active EE | $4,722 | $4,033+17.1% | $4,919-4.0% | $4,249+11.1% |
| Admin fee / account holder | $2,464 | $10,439-76.4% | $13,697-82.0% | $8,951-72.5% |