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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 | $95,404-17.6% | $113,397-30.7% | $82,637-4.9% |
| Participation rate | 96.8% | 72.8%+24.0pp | 76.5%+20.3pp | 68.1%+28.7pp |
| Annual return | 14.64% | 19.08%-4.4pp | 23.20%-8.6pp | 53.51%-38.9pp |
| Employer contribution / active EE | $2,081 | $2,307-9.8% | $2,977-30.1% | $2,552-18.4% |
| Participant deferral / active EE | $4,722 | $4,220+11.9% | $5,076-7.0% | $4,126+14.4% |
| Admin fee / account holder | $2,464 | $9,168-73.1% | $11,957-79.4% | $7,339-66.4% |