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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 | $95,453-43.8% | $112,040-52.2% | $82,448-35.0% |
| Participation rate | 92.3% | 72.8%+19.6pp | 76.5%+15.8pp | 68.1%+24.2pp |
| Annual return | 14.05% | 23.92%-9.9pp | 24.52%-10.5pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,734 | $2,318-25.2% | $2,954-41.3% | $2,551-32.0% |
| Participant deferral / active EE | $4,149 | $4,224-1.8% | $5,098-18.6% | $4,139+0.2% |
| Admin fee / account holder | $2,042 | $9,013-77.3% | $12,098-83.1% | $7,234-71.8% |