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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 | $59,459 | $81,504-27.0% | $102,437-42.0% | $80,959-26.6% |
| Participation rate | 98.3% | 66.9%+31.4pp | 74.5%+23.8pp | 67.7%+30.6pp |
| Annual return | 13.11% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,694 | $3,104-45.4% | $3,871-56.2% | $2,757-38.6% |
| Participant deferral / active EE | $2,346 | $3,871-39.4% | $5,060-53.6% | $4,300-45.4% |
| Admin fee / account holder | $1,635 | $6,719-75.7% | $8,388-80.5% | $6,925-76.4% |