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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 | $72,326 | $81,487-11.2% | $102,412-29.4% | $80,935-10.6% |
| Participation rate | 82.1% | 66.8%+15.2pp | 74.5%+7.5pp | 67.7%+14.4pp |
| Annual return | 12.05% | 25.60%-13.5pp | 24.94%-12.9pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,425 | $3,103-21.9% | $3,870-37.3% | $2,757-12.0% |
| Participant deferral / active EE | $3,723 | $3,871-3.8% | $5,060-26.4% | $4,299-13.4% |
| Admin fee / account holder | $2,895 | $6,717-56.9% | $8,388-65.5% | $6,924-58.2% |