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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 | $67,878 | $114,712-40.8% | $173,730-60.9% | $87,485-22.4% |
| Participation rate | 97.1% | 73.0%+24.1pp | 79.6%+17.5pp | 68.9%+28.1pp |
| Annual return | 14.61% | 20.18%-5.6pp | 19.96%-5.3pp | 26.06%-11.5pp |
| Employer contribution / active EE | $3,719 | $2,904+28.1% | $4,577-18.8% | $2,596+43.2% |
| Participant deferral / active EE | $4,793 | $4,642+3.3% | $6,326-24.2% | $4,274+12.2% |
| Admin fee / account holder | $2,238 | $10,210-78.1% | $17,523-87.2% | $7,775-71.2% |