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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 | $65,409 | $83,485-21.7% | $125,180-47.7% | $72,983-10.4% |
| Participation rate | 93.6% | 73.3%+20.3pp | 79.8%+13.8pp | 69.5%+24.1pp |
| Annual return | 17.96% | 25.78%-7.8pp | 43.79%-25.8pp | 81.01%-63.0pp |
| Employer contribution / active EE | $2,154 | $2,346-8.2% | $3,866-44.3% | $2,440-11.7% |
| Participant deferral / active EE | $3,534 | $3,586-1.4% | $4,937-28.4% | $3,608-2.0% |
| Admin fee / account holder | $11,556 | $5,518+109.4% | $9,703+19.1% | $5,124+125.5% |