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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 | $53,606 | $104,098-48.5% | $140,514-61.8% | $94,015-43.0% |
| Participation rate | 92.3% | 73.7%+18.6pp | 77.8%+14.5pp | 70.8%+21.5pp |
| Annual return | 14.05% | 15.14%-1.1pp | 14.36%-0.3pp | 17.84%-3.8pp |
| Employer contribution / active EE | $1,734 | $2,388-27.4% | $3,378-48.7% | $2,790-37.9% |
| Participant deferral / active EE | $4,149 | $4,033+2.9% | $4,919-15.6% | $4,249-2.4% |
| Admin fee / account holder | $2,042 | $10,439-80.4% | $13,697-85.1% | $8,951-77.2% |