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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 | $55,797 | $67,602-17.5% | $82,312-32.2% | $70,126-20.4% |
| Participation rate | 97.8% | 72.8%+25.0pp | 76.9%+20.9pp | 69.5%+28.2pp |
| Annual return | 16.48% | 21.57%-5.1pp | 25.88%-9.4pp | 73.15%-56.7pp |
| Employer contribution / active EE | $951 | $1,755-45.8% | $2,428-60.8% | $2,343-59.4% |
| Participant deferral / active EE | $7,474 | $2,987+150.2% | $3,706+101.7% | $3,332+124.3% |
| Admin fee / account holder | $8,814 | $4,512+95.4% | $5,608+57.2% | $4,645+89.7% |