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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 | $51,773 | $86,949-40.5% | $102,460-49.5% | $80,959-36.1% |
| Participation rate | 98.3% | 72.4%+25.9pp | 76.5%+21.8pp | 67.7%+30.6pp |
| Annual return | 13.51% | 18.89%-5.4pp | 29.47%-16.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $2,122 | $2,370-10.4% | $3,025-29.8% | $2,757-23.0% |
| Participant deferral / active EE | $4,022 | $4,121-2.4% | $5,056-20.5% | $4,300-6.5% |
| Admin fee / account holder | $6,603 | $8,048-17.9% | $9,460-30.2% | $6,925-4.6% |