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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 | $97,550-42.5% | $120,344-53.4% | $87,485-35.9% |
| Participation rate | 97.1% | 72.8%+24.2pp | 76.7%+20.3pp | 68.9%+28.1pp |
| Annual return | 16.24% | 18.41%-2.2pp | 20.30%-4.1pp | 26.06%-9.8pp |
| Employer contribution / active EE | $2,282 | $2,291-0.4% | $3,020-24.5% | $2,596-12.1% |
| Participant deferral / active EE | $4,267 | $4,230+0.9% | $5,135-16.9% | $4,274-0.2% |
| Admin fee / account holder | $828 | $9,543-91.3% | $12,742-93.5% | $7,775-89.4% |