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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 | $76,564-13.9% | $105,582-37.5% | $94,015-29.8% |
| Participation rate | 74.0% | 65.2%+8.8pp | 71.8%+2.2pp | 70.8%+3.2pp |
| Annual return | 15.56% | 20.69%-5.1pp | 18.61%-3.1pp | 17.84%-2.3pp |
| Employer contribution / active EE | $2,222 | $1,995+11.4% | $2,984-25.5% | $2,790-20.4% |
| Participant deferral / active EE | $2,516 | $3,320-24.2% | $4,353-42.2% | $4,249-40.8% |
| Admin fee / account holder | $1,287 | $7,129-81.9% | $12,856-90.0% | $8,951-85.6% |