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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 | $57,468 | $67,602-15.0% | $82,312-30.2% | $70,126-18.1% |
| Participation rate | 91.8% | 72.8%+19.0pp | 76.9%+14.9pp | 69.5%+22.3pp |
| Annual return | 15.89% | 21.57%-5.7pp | 25.88%-10.0pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,086 | $1,755-38.1% | $2,428-55.3% | $2,343-53.6% |
| Participant deferral / active EE | $3,028 | $2,987+1.4% | $3,706-18.3% | $3,332-9.1% |
| Admin fee / account holder | $1,321 | $4,512-70.7% | $5,608-76.4% | $4,645-71.6% |