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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 | $110,137-38.4% | $161,149-57.9% | $82,637-17.9% |
| Participation rate | 97.1% | 72.4%+24.7pp | 78.8%+18.2pp | 68.1%+29.0pp |
| Annual return | 14.61% | 20.69%-6.1pp | 21.16%-6.6pp | 53.51%-38.9pp |
| Employer contribution / active EE | $3,719 | $2,856+30.2% | $4,360-14.7% | $2,552+45.7% |
| Participant deferral / active EE | $4,793 | $4,575+4.8% | $6,153-22.1% | $4,126+16.2% |
| Admin fee / account holder | $2,238 | $9,467-76.4% | $15,194-85.3% | $7,339-69.5% |