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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 | $65,958 | $69,444-5.0% | $92,985-29.1% | $87,485-24.6% |
| Participation rate | 74.0% | 63.3%+10.7pp | 69.5%+4.5pp | 68.9%+5.1pp |
| Annual return | 15.56% | 23.85%-8.3pp | 27.99%-12.4pp | 26.06%-10.5pp |
| Employer contribution / active EE | $2,222 | $1,917+15.9% | $2,662-16.5% | $2,596-14.4% |
| Participant deferral / active EE | $2,516 | $3,364-25.2% | $4,377-42.5% | $4,274-41.1% |
| Admin fee / account holder | $1,287 | $6,137-79.0% | $9,463-86.4% | $7,775-83.4% |