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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 | $73,427 | $115,931-36.7% | $185,441-60.4% | $86,983-15.6% |
| Participation rate | 94.6% | 73.6%+21.0pp | 80.3%+14.3pp | 69.5%+25.1pp |
| Annual return | 15.57% | 21.47%-5.9pp | 20.16%-4.6pp | 25.83%-10.3pp |
| Employer contribution / active EE | $3,023 | $2,937+2.9% | $4,672-35.3% | $2,584+16.9% |
| Participant deferral / active EE | $5,810 | $4,551+27.7% | $6,152-5.5% | $4,194+38.5% |
| Admin fee / account holder | $5,894 | $10,687-44.8% | $17,890-67.1% | $7,856-25.0% |