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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 | $69,302 | $101,778-31.9% | $164,975-58.0% | $80,925-14.4% |
| Participation rate | 80.6% | 71.8%+8.7pp | 78.6%+1.9pp | 67.7%+12.9pp |
| Annual return | 13.01% | 16.73%-3.7pp | 70.12%-57.1pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,675 | $2,954-9.4% | $4,343-38.4% | $2,756-3.0% |
| Participant deferral / active EE | $2,560 | $4,477-42.8% | $6,033-57.6% | $4,299-40.5% |
| Admin fee / account holder | $1,453 | $8,221-82.3% | $12,688-88.5% | $6,940-79.1% |