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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 | $61,336 | $95,453-35.7% | $112,040-45.3% | $82,448-25.6% |
| Participation rate | 96.8% | 72.8%+24.1pp | 76.5%+20.3pp | 68.1%+28.8pp |
| Annual return | 16.82% | 23.92%-7.1pp | 24.52%-7.7pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,275 | $2,318-1.8% | $2,954-23.0% | $2,551-10.8% |
| Participant deferral / active EE | $4,104 | $4,224-2.8% | $5,098-19.5% | $4,139-0.9% |
| Admin fee / account holder | $2,487 | $9,013-72.4% | $12,098-79.4% | $7,234-65.6% |