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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 | $56,027 | $86,949-35.6% | $102,460-45.3% | $80,959-30.8% |
| Participation rate | 92.0% | 72.4%+19.6pp | 76.5%+15.5pp | 67.7%+24.3pp |
| Annual return | 11.07% | 18.89%-7.8pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $2,234 | $2,370-5.7% | $3,025-26.1% | $2,757-19.0% |
| Participant deferral / active EE | $3,443 | $4,121-16.5% | $5,056-31.9% | $4,300-19.9% |
| Admin fee / account holder | $4,402 | $8,048-45.3% | $9,460-53.5% | $6,925-36.4% |