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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 | $56,050 | $95,453-41.3% | $112,040-50.0% | $82,448-32.0% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.5%+20.6pp | 68.1%+29.0pp |
| Annual return | 16.24% | 23.92%-7.7pp | 24.52%-8.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $2,282 | $2,318-1.6% | $2,954-22.8% | $2,551-10.6% |
| Participant deferral / active EE | $4,267 | $4,224+1.0% | $5,098-16.3% | $4,139+3.1% |
| Admin fee / account holder | $828 | $9,013-90.8% | $12,098-93.2% | $7,234-88.6% |