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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 | $72,926 | $86,940-16.1% | $102,434-28.8% | $80,935-9.9% |
| Participation rate | 89.8% | 72.4%+17.4pp | 76.5%+13.3pp | 67.7%+22.2pp |
| Annual return | 11.91% | 18.89%-7.0pp | 29.46%-17.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $2,252 | $2,370-5.0% | $3,023-25.5% | $2,757-18.3% |
| Participant deferral / active EE | $3,402 | $4,121-17.4% | $5,055-32.7% | $4,299-20.9% |
| Admin fee / account holder | $5,421 | $8,047-32.6% | $9,462-42.7% | $6,924-21.7% |