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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 | $70,996 | $81,358-12.7% | $155,556-54.4% | $80,959-12.3% |
| Participation rate | 95.5% | 66.3%+29.2pp | 78.2%+17.2pp | 67.7%+27.8pp |
| Annual return | 15.28% | 33.39%-18.1pp | 64.84%-49.6pp | 35.67%-20.4pp |
| Employer contribution / active EE | $3,313 | $3,106+6.7% | $4,675-29.1% | $2,757+20.2% |
| Participant deferral / active EE | $3,050 | $3,455-11.7% | $5,631-45.8% | $4,300-29.1% |
| Admin fee / account holder | $1,487 | $7,994-81.4% | $15,885-90.6% | $6,925-78.5% |