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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 | $92,586 | $58,523+58.2% | $99,475-6.9% | $72,975+26.9% |
| Participation rate | 97.1% | 64.6%+32.5pp | 73.8%+23.3pp | 69.5%+27.7pp |
| Annual return | 22.05% | 28.51%-6.5pp | 30.72%-8.7pp | 81.01%-59.0pp |
| Employer contribution / active EE | $525 | $1,512-65.3% | $2,540-79.3% | $2,440-78.5% |
| Participant deferral / active EE | $2,973 | $2,606+14.1% | $3,619-17.8% | $3,608-17.6% |
| Admin fee / account holder | $3,373 | $4,102-17.8% | $6,252-46.0% | $5,124-34.2% |